Capitol 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 28.57 percentage points in Q2 2026, from 358.74% to 330.16%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Capitol Bank is 67th of 153 on loan-to-deposit ratio, 91.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Capitol Bank sits 10.30 points higher, at 91.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $431.1M |
| Net loans and leases | $424.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.26% |
| Loan-to-deposit ratio | 91.14% |
| Net loans to equity capital | 6.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.23% |
| Multifamily (5+ residential) | 26.06% |
| Commercial and industrial | 13.00% |
| Consumer | 1.04% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.16% |
| Construction concentration (Tier 1 capital + allowance) | 35.72% |
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 | 5.54% |
| Interest income on loans | $6.2M |
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 | $468.5M | $483.4M | 35.40% | 15.12% | 0.84% |
| Q4 2023 | $491.4M | $508.9M | 37.01% | 14.70% | 0.71% |
| Q1 2024 | $490.6M | $508.9M | 36.81% | 13.57% | 0.66% |
| Q2 2024 | $503.8M | $491.8M | 35.87% | 14.09% | 0.63% |
| Q3 2024 | $510.4M | $519.4M | 34.93% | 15.15% | 0.68% |
| Q4 2024 | $495.4M | $539.6M | 35.10% | 13.84% | 0.66% |
| Q1 2025 | $492.9M | $552.3M | 35.19% | 13.00% | 0.81% |
| Q2 2025 | $480.6M | $512.3M | 37.25% | 12.82% | 0.77% |
| Q3 2025 | $477.2M | $523.1M | 36.91% | 13.02% | 1.15% |
| Q4 2025 | $478.3M | $542.8M | 39.39% | 12.34% | 1.08% |
| Q1 2026 | $453.5M | $497.7M | 39.84% | 12.79% | 1.05% |
| Q2 2026 | $431.1M | $473.0M | 37.23% | 13.00% | 1.04% |
Capitol Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol 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 Capitol Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34074) · FFIEC NIC profile (RSSD 2339599)