Community 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 Q3 2026 was in Construction concentration (Tier 1 capital + allowance): 2.43 percentage points higher than in Q2 2026, at 48.16%. Community State Bank has the 9th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 58.30% as of Q3 2026. Community State Bank reported 58.30% on loan-to-deposit ratio for Q3 2026, 22.54 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $364.5M |
| Net loans and leases | $358.9M |
| Loans held for sale | $73K |
| Loans to total assets | 54.64% |
| Loan-to-deposit ratio | 58.30% |
| Net loans to equity capital | 9.95% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.95% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 19.63% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 2.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.61% |
| Construction concentration (Tier 1 capital + allowance) | 48.16% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.45% |
| Interest income on loans | $5.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $357.4M | $572.8M | 35.60% | 26.48% | 0.50% |
| Q1 2024 | $344.1M | $565.0M | 36.24% | 24.38% | 0.48% |
| Q2 2024 | $338.5M | $554.8M | 38.48% | 24.65% | 0.48% |
| Q3 2024 | $331.3M | $564.8M | 38.00% | 24.65% | 0.45% |
| Q4 2024 | $326.4M | $578.8M | 39.86% | 23.99% | 0.43% |
| Q1 2025 | $329.5M | $579.1M | 40.82% | 22.55% | 0.40% |
| Q2 2025 | $338.3M | $575.9M | 40.35% | 22.30% | 0.35% |
| Q3 2025 | $333.3M | $570.0M | 40.59% | 20.91% | 0.28% |
| Q4 2025 | $334.8M | $593.8M | 40.96% | 18.70% | 0.27% |
| Q1 2026 | $350.4M | $606.5M | 40.80% | 19.99% | 0.21% |
| Q2 2026 | $369.4M | $621.3M | 42.84% | 20.74% | 0.19% |
| Q3 2026 | $364.5M | $625.2M | 41.95% | 19.63% | 0.16% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9536) · FFIEC NIC profile (RSSD 130345)