Columbia Savings and Loan Association: 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 20.57 percentage points in Q2 2026, from 20.57% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Columbia Savings and Loan Association ranks 93rd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 84.70% (Q2 2026). Columbia Savings and Loan Association reported 84.70% on loan-to-deposit ratio for Q2 2026, 16.77 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $16.4M |
| Net loans and leases | $16.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.55% |
| Loan-to-deposit ratio | 84.70% |
| Net loans to equity capital | 14.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.27% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 1.68% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.10% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.04% |
| Interest income on loans | $250K |
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 | $19.0M | $25.5M | 35.56% | 0.00% | 1.64% |
| Q4 2023 | $19.3M | $25.1M | 33.90% | 0.00% | 1.60% |
| Q1 2024 | $19.1M | $23.4M | 33.65% | 0.00% | 1.62% |
| Q2 2024 | $18.7M | $21.7M | 31.76% | 0.00% | 1.65% |
| Q3 2024 | $19.9M | $21.1M | 32.43% | 0.00% | 1.53% |
| Q4 2024 | $19.6M | $21.8M | 30.45% | 0.00% | 1.54% |
| Q1 2025 | $19.5M | $21.9M | 33.00% | 0.00% | 1.43% |
| Q2 2025 | $19.1M | $21.5M | 33.35% | 0.00% | 1.45% |
| Q3 2025 | $18.8M | $21.2M | 33.83% | 0.00% | 1.48% |
| Q4 2025 | $18.3M | $19.5M | 31.61% | 0.00% | 1.51% |
| Q1 2026 | $17.2M | $19.7M | 28.25% | 0.00% | 1.60% |
| Q2 2026 | $16.4M | $19.3M | 30.27% | 0.00% | 1.68% |
Columbia Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbia Savings and Loan Association, 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 Columbia Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28480) · FFIEC NIC profile (RSSD 596277)