Conservation 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): 14.08 percentage points higher than in Q1 2026, at 80.89%. Within Wisconsin, Conservation First Bank is 16th of 153 on loan-to-deposit ratio, 109.38% as of Q2 2026. Conservation First Bank reported 109.38% on loan-to-deposit ratio for Q2 2026, 28.82 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.8M |
| Net loans and leases | $109.4M |
| Loans held for sale | $0 |
| Loans to total assets | 86.93% |
| Loan-to-deposit ratio | 109.38% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.93% |
| Multifamily (5+ residential) | 2.68% |
| Commercial and industrial | 3.80% |
| Consumer | 1.79% |
| Credit cards | 0.00% |
| Farm | 19.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.89% |
| Construction concentration (Tier 1 capital + allowance) | 33.64% |
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 | 7.54% |
| Interest income on loans | $2.0M |
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 | $72.4M | $71.6M | 17.98% | 7.11% | 4.25% |
| Q4 2023 | $74.7M | $72.2M | 21.00% | 5.81% | 4.16% |
| Q1 2024 | $79.9M | $73.2M | 20.16% | 7.04% | 3.58% |
| Q2 2024 | $86.5M | $76.9M | 18.32% | 5.99% | 3.26% |
| Q3 2024 | $88.1M | $80.5M | 17.55% | 5.38% | 2.77% |
| Q4 2024 | $91.7M | $85.4M | 16.11% | 5.06% | 2.61% |
| Q1 2025 | $92.1M | $85.4M | 18.47% | 4.97% | 2.24% |
| Q2 2025 | $98.0M | $87.5M | 16.11% | 4.49% | 2.01% |
| Q3 2025 | $97.8M | $93.3M | 16.47% | 4.03% | 1.70% |
| Q4 2025 | $106.2M | $96.2M | 16.37% | 3.78% | 1.72% |
| Q1 2026 | $104.2M | $101.2M | 17.90% | 4.10% | 1.65% |
| Q2 2026 | $110.8M | $101.3M | 19.93% | 3.80% | 1.79% |
Conservation First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Conservation 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 Conservation First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14316) · FFIEC NIC profile (RSSD 208347)