Bonduel 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.
Cre concentration (tier 1 capital + allowance) dropped 4.53 percentage points in Q2 2026, from 75.05% to 70.51%. It was the largest change from Q1 2026 among the key lines here. Bonduel State Bank ranks 110th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 79.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bonduel State Bank reported 79.21% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.6M |
| Net loans and leases | $88.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.82% |
| Loan-to-deposit ratio | 79.21% |
| Net loans to equity capital | 5.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.41% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 16.88% |
| Consumer | 3.33% |
| Credit cards | 0.08% |
| Farm | 6.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.51% |
| Construction concentration (Tier 1 capital + allowance) | 19.92% |
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 | — |
| Interest income on loans | $1.4M |
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 | $58.1M | $86.2M | 28.25% | 18.65% | 5.79% |
| Q4 2023 | $64.0M | $91.7M | 22.68% | 16.75% | 5.20% |
| Q1 2024 | $71.6M | $93.5M | 25.14% | 17.43% | 4.82% |
| Q2 2024 | $75.2M | $100.1M | 24.51% | 18.77% | 4.77% |
| Q3 2024 | $79.0M | $98.2M | 22.97% | 18.15% | 4.52% |
| Q4 2024 | $82.4M | $101.3M | 22.55% | 19.29% | 4.03% |
| Q1 2025 | $83.8M | $105.8M | 23.06% | 19.62% | 3.80% |
| Q2 2025 | $84.2M | $104.5M | 22.02% | 19.47% | 3.56% |
| Q3 2025 | $83.5M | $109.8M | 22.51% | 18.64% | 3.65% |
| Q4 2025 | $86.3M | $110.0M | 22.52% | 18.83% | 3.49% |
| Q1 2026 | $86.5M | $112.2M | 21.97% | 17.41% | 3.51% |
| Q2 2026 | $89.6M | $113.1M | 21.41% | 16.88% | 3.33% |
Bonduel State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bonduel 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 Bonduel State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11235) · FFIEC NIC profile (RSSD 35646)