Bluff View 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): 6.73 percentage points higher than in Q1 2026, at 84.95%. Bluff View Bank ranks 88th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 86.36% (Q2 2026). Bluff View Bank reported 86.36% on loan-to-deposit ratio for Q2 2026, 5.52 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.3M |
| Net loans and leases | $101.2M |
| Loans held for sale | $0 |
| Loans to total assets | 66.93% |
| Loan-to-deposit ratio | 86.36% |
| Net loans to equity capital | 4.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.54% |
| Multifamily (5+ residential) | 3.94% |
| Commercial and industrial | 10.26% |
| Consumer | 3.17% |
| Credit cards | 0.00% |
| Farm | 16.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.95% |
| Construction concentration (Tier 1 capital + allowance) | 49.60% |
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 | 6.66% |
| Interest income on loans | $1.7M |
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 | $86.6M | $99.6M | 19.17% | 8.92% | 5.45% |
| Q4 2023 | $84.4M | $102.9M | 20.09% | 9.26% | 5.30% |
| Q1 2024 | $86.3M | $105.9M | 20.45% | 10.28% | 5.13% |
| Q2 2024 | $89.4M | $107.9M | 19.69% | 10.01% | 5.13% |
| Q3 2024 | $90.5M | $120.8M | 19.65% | 8.28% | 4.68% |
| Q4 2024 | $91.0M | $123.0M | 19.82% | 9.99% | 4.33% |
| Q1 2025 | $89.8M | $122.3M | 19.37% | 10.69% | 4.18% |
| Q2 2025 | $95.2M | $127.0M | 20.41% | 11.72% | 3.93% |
| Q3 2025 | $97.7M | $131.8M | 21.73% | 11.01% | 3.83% |
| Q4 2025 | $97.3M | $118.7M | 21.99% | 10.51% | 3.56% |
| Q1 2026 | $100.1M | $120.4M | 20.70% | 10.76% | 3.28% |
| Q2 2026 | $102.3M | $118.4M | 20.54% | 10.26% | 3.17% |
Bluff View Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bluff View 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 Bluff View Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8693) · FFIEC NIC profile (RSSD 167453)