The Equitable Bank, S.S.B.: 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.
CRE concentration (Tier 1 capital + allowance) dropped 15.39 percentage points in Q2 2026, from 416.29% to 400.90%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Equitable Bank, S.S.B. is 38th of 153 on loan-to-deposit ratio, 98.93% as of Q2 2026. The Equitable Bank, S.S.B. reported 98.93% on loan-to-deposit ratio for Q2 2026, 18.38 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $286.0M |
| Net loans and leases | $283.9M |
| Loans held for sale | $2.6M |
| Loans to total assets | 87.43% |
| Loan-to-deposit ratio | 98.93% |
| Net loans to equity capital | 9.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.94% |
| Multifamily (5+ residential) | 38.51% |
| Commercial and industrial | 1.02% |
| Consumer | 0.03% |
| Credit cards | 0.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 400.90% |
| Construction concentration (Tier 1 capital + allowance) | 15.19% |
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 | 5.12% |
| Interest income on loans | $3.6M |
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 | $301.4M | $318.9M | 9.45% | 0.75% | 0.05% |
| Q4 2023 | $298.0M | $316.5M | 9.46% | 0.83% | 0.04% |
| Q1 2024 | $296.9M | $308.4M | 9.40% | 0.74% | 0.05% |
| Q2 2024 | $292.9M | $306.7M | 9.43% | 0.76% | 0.05% |
| Q3 2024 | $291.4M | $297.9M | 9.44% | 0.80% | 0.05% |
| Q4 2024 | $278.3M | $289.8M | 8.13% | 0.90% | 0.05% |
| Q1 2025 | $278.5M | $281.6M | 8.17% | 1.23% | 0.03% |
| Q2 2025 | $284.1M | $291.4M | 8.42% | 1.29% | 0.03% |
| Q3 2025 | $289.3M | $287.3M | 8.26% | 1.20% | 0.03% |
| Q4 2025 | $290.5M | $286.6M | 8.14% | 1.26% | 0.02% |
| Q1 2026 | $287.2M | $296.1M | 7.99% | 1.25% | 0.03% |
| Q2 2026 | $286.0M | $289.1M | 7.94% | 1.02% | 0.03% |
The Equitable Bank, S.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Equitable Bank, S.S.B., 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 The Equitable Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28614) · FFIEC NIC profile (RSSD 336576)