Cumberland Federal Bank, FSB: 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 Loan-to-deposit ratio: 3.66 percentage points lower than in Q1 2026, at 61.60%. Cumberland Federal Bank, FSB has the 14th lowest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, at 61.60% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cumberland Federal Bank, FSB sits 19.24 points lower, at 61.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $177.1M |
| Net loans and leases | $175.2M |
| Loans held for sale | $0 |
| Loans to total assets | 51.84% |
| Loan-to-deposit ratio | 61.60% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.26% |
| Multifamily (5+ residential) | 2.59% |
| Commercial and industrial | 6.53% |
| Consumer | 1.70% |
| Credit cards | 0.00% |
| Farm | 15.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.87% |
| Construction concentration (Tier 1 capital + allowance) | 39.69% |
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 | 6.47% |
| Interest income on loans | $2.8M |
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 | $115.0M | $218.1M | 14.07% | 5.90% | 2.32% |
| Q4 2023 | $119.4M | $218.8M | 13.59% | 5.39% | 2.37% |
| Q1 2024 | $118.4M | $224.8M | 13.88% | 5.74% | 2.20% |
| Q2 2024 | $127.1M | $240.2M | 13.80% | 5.44% | 2.30% |
| Q3 2024 | $135.9M | $238.4M | 14.04% | 5.21% | 2.03% |
| Q4 2024 | $149.2M | $241.3M | 13.13% | 6.22% | 1.79% |
| Q1 2025 | $150.8M | $244.3M | 13.87% | 6.54% | 1.82% |
| Q2 2025 | $161.5M | $254.5M | 12.42% | 6.38% | 1.78% |
| Q3 2025 | $167.3M | $275.1M | 11.75% | 6.29% | 1.85% |
| Q4 2025 | $173.1M | $272.9M | 11.55% | 6.26% | 1.69% |
| Q1 2026 | $171.1M | $262.1M | 10.19% | 6.57% | 1.71% |
| Q2 2026 | $177.1M | $287.5M | 10.26% | 6.53% | 1.70% |
Cumberland Federal Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Federal Bank, FSB, 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 Cumberland Federal Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29293) · FFIEC NIC profile (RSSD 28675)