Community First 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): 9.21 percentage points lower than in Q1 2026, at 131.78%. Community First Bank ranks 118th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 76.54% (Q2 2026). Community First Bank reported 76.54% on loan-to-deposit ratio for Q2 2026, 4.29 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $399.9M |
| Net loans and leases | $395.1M |
| Loans held for sale | $0 |
| Loans to total assets | 63.07% |
| Loan-to-deposit ratio | 76.54% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.02% |
| Multifamily (5+ residential) | 10.45% |
| Commercial and industrial | 9.19% |
| Consumer | 0.81% |
| Credit cards | 0.04% |
| Farm | 19.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 8.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.78% |
| Construction concentration (Tier 1 capital + allowance) | 6.65% |
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 | 6.06% |
| Interest income on loans | $6.0M |
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 | $373.1M | $505.1M | 20.96% | 11.83% | 1.50% |
| Q4 2023 | $381.5M | $494.2M | 21.08% | 11.24% | 1.43% |
| Q1 2024 | $389.1M | $504.9M | 22.17% | 11.37% | 1.35% |
| Q2 2024 | $392.1M | $502.4M | 21.99% | 11.18% | 1.25% |
| Q3 2024 | $393.7M | $497.9M | 23.74% | 10.64% | 1.16% |
| Q4 2024 | $399.8M | $518.8M | 23.32% | 10.58% | 1.12% |
| Q1 2025 | $398.8M | $541.8M | 22.92% | 10.15% | 1.04% |
| Q2 2025 | $388.8M | $544.6M | 23.65% | 8.17% | 1.02% |
| Q3 2025 | $385.2M | $535.9M | 24.39% | 7.95% | 0.97% |
| Q4 2025 | $401.3M | $530.7M | 24.76% | 9.18% | 0.87% |
| Q1 2026 | $408.0M | $530.9M | 25.31% | 9.15% | 0.82% |
| Q2 2026 | $399.9M | $522.4M | 25.02% | 9.19% | 0.81% |
Community First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First 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 Community First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11595) · FFIEC NIC profile (RSSD 175140)