Cleveland 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.85 percentage points lower than in Q1 2026, at 108.68%. Cleveland State Bank ranks 115th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 77.39% (Q2 2026). Cleveland State Bank reported 77.39% on loan-to-deposit ratio for Q2 2026, 3.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.4M |
| Net loans and leases | $160.8M |
| Loans held for sale | $895K |
| Loans to total assets | 65.91% |
| Loan-to-deposit ratio | 77.39% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.85% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 10.04% |
| Consumer | 2.32% |
| Credit cards | 0.04% |
| Farm | 6.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.68% |
| Construction concentration (Tier 1 capital + allowance) | 35.11% |
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 | 6.38% |
| Interest income on loans | $2.6M |
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 | $134.6M | $172.2M | 30.29% | 12.02% | 3.13% |
| Q4 2023 | $141.1M | $177.4M | 30.36% | 13.03% | 3.80% |
| Q1 2024 | $144.2M | $181.5M | 30.05% | 13.63% | 3.11% |
| Q2 2024 | $150.1M | $178.4M | 30.41% | 13.49% | 2.94% |
| Q3 2024 | $151.0M | $188.1M | 30.56% | 11.91% | 2.75% |
| Q4 2024 | $152.3M | $196.2M | 29.41% | 11.74% | 2.68% |
| Q1 2025 | $155.1M | $198.2M | 30.21% | 12.13% | 2.49% |
| Q2 2025 | $156.5M | $194.2M | 30.73% | 11.87% | 2.38% |
| Q3 2025 | $157.4M | $188.8M | 31.03% | 11.71% | 2.36% |
| Q4 2025 | $157.2M | $200.0M | 30.31% | 12.21% | 2.40% |
| Q1 2026 | $162.7M | $203.9M | 32.70% | 11.49% | 2.45% |
| Q2 2026 | $162.4M | $209.9M | 32.85% | 10.04% | 2.32% |
Cleveland State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cleveland 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 Cleveland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9517) · FFIEC NIC profile (RSSD 48440)