Dairy 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 Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.70 percentage points lower than in Q1 2026, at 180.07%. Within Wisconsin, Dairy State Bank is 137th of 153 on loan-to-deposit ratio, 63.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Dairy State Bank sits 17.31 points lower, at 63.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $401.2M |
| Net loans and leases | $393.2M |
| Loans held for sale | $0 |
| Loans to total assets | 54.93% |
| Loan-to-deposit ratio | 63.64% |
| Net loans to equity capital | 4.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.20% |
| Multifamily (5+ residential) | 15.51% |
| Commercial and industrial | 18.58% |
| Consumer | 0.59% |
| Credit cards | 0.04% |
| Farm | 2.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.07% |
| Construction concentration (Tier 1 capital + allowance) | 49.26% |
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 | 6.29% |
| Interest income on loans | $6.1M |
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 | $312.8M | $621.9M | 34.30% | 14.98% | 1.73% |
| Q4 2023 | $335.2M | $626.0M | 34.31% | 13.20% | 1.58% |
| Q1 2024 | $332.1M | $631.9M | 31.79% | 14.24% | 1.54% |
| Q2 2024 | $339.3M | $624.9M | 31.98% | 14.15% | 1.49% |
| Q3 2024 | $349.0M | $641.9M | 32.72% | 14.11% | 1.32% |
| Q4 2024 | $351.8M | $639.7M | 34.60% | 14.47% | 1.11% |
| Q1 2025 | $345.4M | $640.4M | 33.29% | 13.49% | 0.97% |
| Q2 2025 | $346.7M | $616.9M | 31.87% | 13.61% | 0.94% |
| Q3 2025 | $364.7M | $615.1M | 32.00% | 15.63% | 0.80% |
| Q4 2025 | $384.2M | $629.6M | 30.29% | 15.95% | 0.67% |
| Q1 2026 | $394.8M | $644.6M | 27.34% | 18.97% | 0.56% |
| Q2 2026 | $401.2M | $630.4M | 30.20% | 18.58% | 0.59% |
Dairy State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dairy 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 Dairy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17162) · FFIEC NIC profile (RSSD 57451)