Clare Bank, 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.
Loan-to-deposit ratio climbed 3.86 percentage points in Q2 2026, from 60.32% to 64.18%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Clare Bank, N.A. is 136th of 153 on loan-to-deposit ratio, 64.18% as of Q2 2026, below the middle of the field. Clare Bank, N.A. reported 64.18% on loan-to-deposit ratio for Q2 2026, 16.66 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $177.1M |
| Net loans and leases | $176.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.27% |
| Loan-to-deposit ratio | 64.18% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.79% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 3.26% |
| Consumer | 1.11% |
| Credit cards | 0.13% |
| Farm | 32.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.23% |
| Construction concentration (Tier 1 capital + allowance) | 31.93% |
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 | 5.76% |
| Interest income on loans | $2.5M |
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 | $136.8M | $268.9M | 8.58% | 3.57% | 1.71% |
| Q4 2023 | $142.3M | $279.8M | 8.45% | 3.51% | 1.80% |
| Q1 2024 | $141.0M | $279.4M | 8.12% | 3.35% | 1.85% |
| Q2 2024 | $143.5M | $270.2M | 7.86% | 3.66% | 1.81% |
| Q3 2024 | $144.5M | $259.2M | 7.96% | 3.38% | 1.48% |
| Q4 2024 | $157.0M | $278.5M | 8.34% | 3.37% | 1.37% |
| Q1 2025 | $157.6M | $274.0M | 8.82% | 3.39% | 1.24% |
| Q2 2025 | $160.0M | $269.2M | 8.80% | 3.57% | 1.21% |
| Q3 2025 | $162.4M | $262.9M | 9.00% | 3.34% | 1.21% |
| Q4 2025 | $172.0M | $289.7M | 8.97% | 2.98% | 1.17% |
| Q1 2026 | $173.0M | $286.7M | 9.03% | 2.99% | 1.18% |
| Q2 2026 | $177.1M | $276.0M | 8.79% | 3.26% | 1.11% |
Clare Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clare Bank, 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 Clare Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1022) · FFIEC NIC profile (RSSD 988144)