The Farmers State Bank of Waupaca: 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 Q3 2026 was in Construction concentration (Tier 1 capital + allowance): 1.87 percentage points higher than in Q2 2026, at 43.30%. Within Wisconsin, The Farmers State Bank of Waupaca is 129th of 153 on loan-to-deposit ratio, 71.57% as of Q3 2026, below the middle of the field. The Farmers State Bank of Waupaca reported 71.57% on loan-to-deposit ratio for Q3 2026, 9.26 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $175.1M |
| Net loans and leases | $173.0M |
| Loans held for sale | $0 |
| Loans to total assets | 62.73% |
| Loan-to-deposit ratio | 71.57% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.12% |
| Multifamily (5+ residential) | 3.03% |
| Commercial and industrial | 8.26% |
| Consumer | 4.26% |
| Credit cards | 0.03% |
| Farm | 1.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.74% |
| Construction concentration (Tier 1 capital + allowance) | 43.30% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.74% |
| Interest income on loans | $2.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $152.1M | $222.7M | 18.51% | 7.87% | 4.93% |
| Q1 2024 | $151.0M | $216.3M | 18.52% | 8.14% | 5.06% |
| Q2 2024 | $154.8M | $213.0M | 18.24% | 9.12% | 5.24% |
| Q3 2024 | $154.3M | $220.3M | 18.16% | 8.79% | 4.93% |
| Q4 2024 | $159.5M | $237.9M | 17.21% | 8.88% | 4.77% |
| Q1 2025 | $158.1M | $221.0M | 17.02% | 9.74% | 4.70% |
| Q2 2025 | $160.7M | $223.8M | 16.39% | 8.84% | 4.64% |
| Q3 2025 | $161.7M | $230.5M | 15.98% | 8.58% | 4.76% |
| Q4 2025 | $163.9M | $245.9M | 16.65% | 7.52% | 4.50% |
| Q1 2026 | $168.0M | $242.2M | 16.57% | 7.96% | 4.38% |
| Q2 2026 | $173.0M | $244.1M | 17.45% | 8.38% | 4.28% |
| Q3 2026 | $175.1M | $244.7M | 16.12% | 8.26% | 4.26% |
The Farmers State Bank of Waupaca loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Waupaca, 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 Farmers State Bank of Waupaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13033) · FFIEC NIC profile (RSSD 879747)