Black River Country 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.
Cre concentration (tier 1 capital + allowance) climbed 11.28 percentage points in Q2 2026, from 87.13% to 98.41%. It was the largest change from Q1 2026 among the key lines here. Black River Country Bank ranks 56th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 93.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Black River Country Bank sits 12.88 points higher, at 93.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.9M |
| Net loans and leases | $78.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.51% |
| Loan-to-deposit ratio | 93.72% |
| Net loans to equity capital | 10.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.82% |
| Multifamily (5+ residential) | 4.48% |
| Commercial and industrial | 5.47% |
| Consumer | 4.71% |
| Credit cards | 0.07% |
| Farm | 23.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.41% |
| Construction concentration (Tier 1 capital + allowance) | 7.80% |
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 | 6.27% |
| Interest income on loans | $1.2M |
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 | $76.8M | $83.1M | 9.05% | 4.61% | 5.61% |
| Q4 2023 | $75.7M | $85.4M | 8.99% | 4.71% | 5.71% |
| Q1 2024 | $75.1M | $80.2M | 9.24% | 4.50% | 5.80% |
| Q2 2024 | $75.9M | $80.4M | 9.23% | 4.36% | 5.71% |
| Q3 2024 | $76.4M | $80.4M | 10.05% | 4.34% | 5.64% |
| Q4 2024 | $75.6M | $86.6M | 10.58% | 3.94% | 5.24% |
| Q1 2025 | $73.7M | $82.2M | 9.19% | 4.02% | 5.31% |
| Q2 2025 | $76.6M | $83.2M | 9.44% | 4.21% | 5.14% |
| Q3 2025 | $76.2M | $85.5M | 9.97% | 3.61% | 5.24% |
| Q4 2025 | $77.0M | $88.4M | 11.16% | 4.67% | 5.00% |
| Q1 2026 | $78.7M | $85.4M | 11.79% | 4.83% | 4.77% |
| Q2 2026 | $79.9M | $85.2M | 13.82% | 5.47% | 4.71% |
Black River Country Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Black River Country 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 Black River Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15152) · FFIEC NIC profile (RSSD 603540)