Crossbridge Community 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): 6.03 percentage points lower than in Q1 2026, at 76.29%. Within Wisconsin, Crossbridge Community Bank is 42nd of 153 on loan-to-deposit ratio, 97.43% as of Q2 2026, above the middle of the field. Crossbridge Community Bank reported 97.43% on loan-to-deposit ratio for Q2 2026, 16.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $182.3M |
| Net loans and leases | $180.3M |
| Loans held for sale | $0 |
| Loans to total assets | 84.14% |
| Loan-to-deposit ratio | 97.43% |
| Net loans to equity capital | 6.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.47% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 6.80% |
| Consumer | 3.90% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.29% |
| Construction concentration (Tier 1 capital + allowance) | 63.16% |
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 | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.6M |
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 | $156.2M | $164.7M | 14.18% | 7.98% | 5.64% |
| Q4 2023 | $159.2M | $168.9M | 13.79% | 7.54% | 5.60% |
| Q1 2024 | $161.2M | $164.1M | 13.20% | 7.55% | 5.41% |
| Q2 2024 | $162.3M | $172.4M | 13.09% | 7.04% | 5.33% |
| Q3 2024 | $164.4M | $176.9M | 13.10% | 6.67% | 4.95% |
| Q4 2024 | $168.7M | $187.8M | 12.73% | 6.19% | 4.63% |
| Q1 2025 | $170.3M | $181.1M | 12.67% | 6.14% | 4.38% |
| Q2 2025 | $173.8M | $189.7M | 12.71% | 6.39% | 4.51% |
| Q3 2025 | $172.5M | $186.6M | 11.74% | 6.15% | 4.41% |
| Q4 2025 | $177.0M | $193.2M | 11.58% | 6.30% | 4.12% |
| Q1 2026 | $176.6M | $186.4M | 11.02% | 6.38% | 4.05% |
| Q2 2026 | $182.3M | $187.1M | 10.47% | 6.80% | 3.90% |
Crossbridge Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossbridge Community 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 Crossbridge Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30516) · FFIEC NIC profile (RSSD 465672)