Ccfbank N.A.: 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) dropped 12.39 percentage points in Q2 2026, from 41.92% to 29.54%. It was the largest change from Q1 2026 among the key lines here. Ccfbank N.A. ranks 82nd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Ccfbank N.A. reported 87.61% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.38B |
| Net loans and leases | $1.36B |
| Loans held for sale | $941K |
| Loans to total assets | 76.40% |
| Loan-to-deposit ratio | 87.61% |
| Net loans to equity capital | 6.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.81% |
| Multifamily (5+ residential) | 18.29% |
| Commercial and industrial | 7.45% |
| Consumer | 0.64% |
| Credit cards | 0.00% |
| Farm | 5.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 311.52% |
| Construction concentration (Tier 1 capital + allowance) | 29.54% |
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 | $19.4M |
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 | $1.45B | $1.49B | 44.78% | 6.65% | 0.94% |
| Q4 2023 | $1.47B | $1.54B | 44.11% | 6.58% | 0.87% |
| Q1 2024 | $1.45B | $1.54B | 44.18% | 7.01% | 0.80% |
| Q2 2024 | $1.43B | $1.53B | 43.92% | 7.08% | 0.77% |
| Q3 2024 | $1.43B | $1.54B | 44.21% | 6.47% | 0.69% |
| Q4 2024 | $1.37B | $1.51B | 44.59% | 7.08% | 0.66% |
| Q1 2025 | $1.36B | $1.54B | 45.30% | 6.74% | 0.60% |
| Q2 2025 | $1.35B | $1.50B | 44.19% | 6.95% | 0.54% |
| Q3 2025 | $1.33B | $1.49B | 44.30% | 6.68% | 0.51% |
| Q4 2025 | $1.35B | $1.55B | 43.61% | 6.94% | 0.46% |
| Q1 2026 | $1.36B | $1.59B | 43.90% | 7.52% | 0.48% |
| Q2 2026 | $1.38B | $1.58B | 45.81% | 7.45% | 0.64% |
Ccfbank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ccfbank N.A., 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 Ccfbank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57265) · FFIEC NIC profile (RSSD 962890)