First Community 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.
Cre concentration (tier 1 capital + allowance) dropped 9.05 percentage points in Q2 2026, from 168.79% to 159.74%. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 83rd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank sits 6.59 points higher, at 87.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.9M |
| Net loans and leases | $122.6M |
| Loans held for sale | $0 |
| Loans to total assets | 77.98% |
| Loan-to-deposit ratio | 87.43% |
| Net loans to equity capital | 8.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.67% |
| Multifamily (5+ residential) | 6.08% |
| Commercial and industrial | 3.86% |
| Consumer | 0.95% |
| Credit cards | 0.24% |
| Farm | 13.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.74% |
| Construction concentration (Tier 1 capital + allowance) | 64.61% |
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 | 6.37% |
| Interest income on loans | $2.0M |
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 | $93.8M | $122.1M | 22.37% | 4.82% | 2.45% |
| Q4 2023 | $96.6M | $124.0M | 22.02% | 4.62% | 2.27% |
| Q1 2024 | $100.6M | $130.1M | 22.70% | 4.53% | 2.01% |
| Q2 2024 | $102.6M | $132.0M | 21.72% | 4.43% | 2.14% |
| Q3 2024 | $104.2M | $132.5M | 21.43% | 4.71% | 1.74% |
| Q4 2024 | $105.2M | $136.3M | 21.01% | 4.61% | 1.54% |
| Q1 2025 | $107.7M | $138.5M | 20.43% | 4.65% | 1.46% |
| Q2 2025 | $110.1M | $138.7M | 19.65% | 4.35% | 1.41% |
| Q3 2025 | $112.3M | $139.3M | 19.06% | 4.63% | 1.39% |
| Q4 2025 | $120.3M | $142.8M | 18.50% | 5.50% | 1.12% |
| Q1 2026 | $123.5M | $146.1M | 19.31% | 4.28% | 1.00% |
| Q2 2026 | $123.9M | $141.8M | 19.67% | 3.86% | 0.95% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11225) · FFIEC NIC profile (RSSD 742542)