Bristol Morgan 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.
Construction concentration (tier 1 capital + allowance) climbed 12.90 percentage points in Q2 2026, from 79.76% to 92.66%. It was the largest change from Q1 2026 among the key lines here. Bristol Morgan Bank ranks 39th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 98.49% (Q2 2026). Bristol Morgan Bank reported 98.49% on loan-to-deposit ratio for Q2 2026, 17.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.7M |
| Net loans and leases | $153.0M |
| Loans held for sale | $108K |
| Loans to total assets | 80.92% |
| Loan-to-deposit ratio | 98.49% |
| Net loans to equity capital | 7.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.01% |
| Multifamily (5+ residential) | 11.72% |
| Commercial and industrial | 7.74% |
| Consumer | 0.51% |
| Credit cards | 0.25% |
| Farm | 3.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 281.39% |
| Construction concentration (Tier 1 capital + allowance) | 92.66% |
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 | 7.09% |
| Interest income on loans | $2.8M |
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 | $132.0M | $123.7M | 24.19% | 9.27% | 2.62% |
| Q4 2023 | $129.2M | $132.3M | 25.75% | 5.96% | 2.45% |
| Q1 2024 | $130.5M | $118.3M | 25.88% | 6.22% | 2.21% |
| Q2 2024 | $133.1M | $117.8M | 25.75% | 7.90% | 1.90% |
| Q3 2024 | $139.5M | $132.4M | 32.16% | 7.50% | 1.64% |
| Q4 2024 | $144.7M | $136.1M | 33.81% | 6.83% | 1.42% |
| Q1 2025 | $139.8M | $127.3M | 31.15% | 6.91% | 1.31% |
| Q2 2025 | $145.9M | $131.5M | 29.48% | 6.95% | 1.07% |
| Q3 2025 | $149.4M | $138.7M | 30.36% | 7.14% | 0.84% |
| Q4 2025 | $157.8M | $149.9M | 26.81% | 7.49% | 0.65% |
| Q1 2026 | $160.4M | $150.8M | 29.45% | 9.13% | 0.55% |
| Q2 2026 | $154.7M | $157.1M | 29.01% | 7.74% | 0.51% |
Bristol Morgan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bristol Morgan 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 Bristol Morgan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9523) · FFIEC NIC profile (RSSD 807348)