First Business 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): 4.34 percentage points lower than in Q1 2026, at 342.33%. First Business Bank ranks 35th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 99.72% (Q2 2026). First Business Bank reported 99.72% on loan-to-deposit ratio for Q2 2026, 11.51 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.59B |
| Net loans and leases | $3.55B |
| Loans held for sale | $0 |
| Loans to total assets | 81.30% |
| Loan-to-deposit ratio | 99.72% |
| Net loans to equity capital | 7.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.51% |
| Multifamily (5+ residential) | 18.21% |
| Commercial and industrial | 35.74% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 342.33% |
| Construction concentration (Tier 1 capital + allowance) | 48.61% |
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 | 6.79% |
| Interest income on loans | $59.9M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $2.77B | $2.66B | 33.79% | 37.22% | 0.39% |
| Q4 2023 | $2.85B | $2.80B | 33.07% | 36.96% | 0.40% |
| Q1 2024 | $2.92B | $2.76B | 33.15% | 36.81% | 0.37% |
| Q2 2024 | $2.99B | $2.89B | 31.67% | 37.31% | 0.31% |
| Q3 2024 | $3.06B | $2.98B | 30.67% | 37.04% | 0.29% |
| Q4 2024 | $3.13B | $3.11B | 32.99% | 35.73% | 0.26% |
| Q1 2025 | $3.19B | $3.25B | 31.68% | 37.25% | 0.23% |
| Q2 2025 | $3.27B | $3.31B | 31.49% | 37.17% | 0.22% |
| Q3 2025 | $3.35B | $3.33B | 32.50% | 36.37% | 0.21% |
| Q4 2025 | $3.39B | $3.38B | 32.73% | 36.29% | 0.20% |
| Q1 2026 | $3.52B | $3.57B | 33.41% | 36.69% | 0.20% |
| Q2 2026 | $3.59B | $3.60B | 32.51% | 35.74% | 0.23% |
First Business Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Business 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 First Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15229) · FFIEC NIC profile (RSSD 537449)