Bay 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 Construction concentration (Tier 1 capital + allowance): 0.85 percentage points lower than in Q1 2026, at 32.14%. Bay Bank has the 5th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 50.55% as of Q2 2026. Bay Bank reported 50.55% on loan-to-deposit ratio for Q2 2026, 30.01 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $133.9M |
| Net loans and leases | $131.4M |
| Loans held for sale | $0 |
| Loans to total assets | 42.42% |
| Loan-to-deposit ratio | 50.55% |
| Net loans to equity capital | 4.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.60% |
| Multifamily (5+ residential) | 4.09% |
| Commercial and industrial | 18.07% |
| Consumer | 7.34% |
| Credit cards | 0.41% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.32% |
| Construction concentration (Tier 1 capital + allowance) | 32.14% |
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 | 6.26% |
| Interest income on loans | $2.1M |
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 | $91.8M | $214.5M | 29.94% | 20.89% | 9.73% |
| Q4 2023 | $102.6M | $225.2M | 30.35% | 18.76% | 8.83% |
| Q1 2024 | $105.4M | $236.1M | 30.18% | 19.58% | 9.15% |
| Q2 2024 | $109.6M | $235.9M | 29.20% | 18.25% | 9.11% |
| Q3 2024 | $112.0M | $233.1M | 26.51% | 19.03% | 9.26% |
| Q4 2024 | $113.4M | $244.3M | 26.59% | 18.15% | 9.20% |
| Q1 2025 | $118.4M | $269.1M | 28.40% | 17.17% | 8.51% |
| Q2 2025 | $123.3M | $260.2M | 29.29% | 17.32% | 8.11% |
| Q3 2025 | $128.0M | $259.1M | 28.40% | 17.19% | 7.74% |
| Q4 2025 | $126.6M | $266.4M | 26.61% | 17.65% | 7.49% |
| Q1 2026 | $131.1M | $259.3M | 26.35% | 17.84% | 7.24% |
| Q2 2026 | $133.9M | $264.9M | 26.60% | 18.07% | 7.34% |
Bay Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay 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 Bay Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34052) · FFIEC NIC profile (RSSD 2329200)