Baraboo State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.89 percentage points lower than in Q1 2026, at 227.95%. On loan-to-deposit ratio, Baraboo State Bank is 15th from the bottom among 153 Wisconsin banks, 61.65% (Q2 2026). Baraboo State Bank reported 61.65% on loan-to-deposit ratio for Q2 2026, 18.90 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.3M |
| Net loans and leases | $296.8M |
| Loans held for sale | $158K |
| Loans to total assets | 53.08% |
| Loan-to-deposit ratio | 61.65% |
| Net loans to equity capital | 4.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.75% |
| Multifamily (5+ residential) | 7.33% |
| Commercial and industrial | 3.17% |
| Consumer | 1.26% |
| Credit cards | 0.07% |
| Farm | 0.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.95% |
| Construction concentration (Tier 1 capital + allowance) | 15.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.92% |
| Interest income on loans | $4.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $272.1M | $452.3M | 51.64% | 9.47% | 1.43% |
| Q4 2023 | $271.7M | $438.0M | 50.58% | 9.43% | 1.35% |
| Q1 2024 | $271.7M | $421.8M | 56.67% | 9.36% | 1.49% |
| Q2 2024 | $259.7M | $427.0M | 58.34% | 5.52% | 1.56% |
| Q3 2024 | $264.0M | $450.5M | 60.91% | 4.92% | 1.38% |
| Q4 2024 | $268.0M | $471.8M | 58.11% | 4.66% | 1.36% |
| Q1 2025 | $266.2M | $468.1M | 58.43% | 4.27% | 1.36% |
| Q2 2025 | $272.4M | $464.5M | 60.09% | 4.23% | 1.84% |
| Q3 2025 | $283.9M | $494.0M | 61.74% | 3.06% | 1.28% |
| Q4 2025 | $302.0M | $509.9M | 61.72% | 3.09% | 1.22% |
| Q1 2026 | $301.1M | $496.8M | 64.59% | 3.10% | 1.22% |
| Q2 2026 | $302.3M | $490.4M | 62.75% | 3.17% | 1.26% |
Baraboo State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Baraboo State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Baraboo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12788) · FFIEC NIC profile (RSSD 24949)