Compass 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): 5.57 percentage points lower than in Q1 2026, at 197.51%. Within Wisconsin, Compass Bank is 30th of 153 on loan-to-deposit ratio, 102.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Compass Bank sits 21.53 points higher, at 102.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $200.9M |
| Net loans and leases | $197.7M |
| Loans held for sale | $265K |
| Loans to total assets | 84.56% |
| Loan-to-deposit ratio | 102.08% |
| Net loans to equity capital | 9.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.00% |
| Multifamily (5+ residential) | 9.59% |
| Commercial and industrial | 4.71% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| Farm | 12.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.51% |
| Construction concentration (Tier 1 capital + allowance) | 54.15% |
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 | 6.75% |
| Interest income on loans | $3.4M |
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 | $174.3M | $184.2M | 24.54% | 7.18% | 3.09% |
| Q4 2023 | $177.8M | $188.7M | 22.91% | 6.79% | 2.89% |
| Q1 2024 | $174.2M | $188.0M | 24.44% | 6.37% | 2.63% |
| Q2 2024 | $181.7M | $200.0M | 22.31% | 6.71% | 2.70% |
| Q3 2024 | $184.4M | $193.8M | 21.65% | 6.79% | 2.31% |
| Q4 2024 | $183.7M | $192.9M | 21.74% | 5.89% | 2.83% |
| Q1 2025 | $189.9M | $185.9M | 20.79% | 6.16% | 2.48% |
| Q2 2025 | $193.1M | $188.5M | 20.23% | 6.20% | 2.37% |
| Q3 2025 | $195.7M | $198.6M | 20.67% | 6.09% | 2.23% |
| Q4 2025 | $200.3M | $206.6M | 19.90% | 6.53% | 2.11% |
| Q1 2026 | $196.4M | $194.7M | 20.00% | 6.88% | 2.00% |
| Q2 2026 | $200.9M | $196.8M | 20.00% | 4.71% | 1.84% |
Compass Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Compass 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 Compass Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2467) · FFIEC NIC profile (RSSD 149150)