First Federal Bank of Wisconsin: 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): 8.43 percentage points lower than in Q1 2026, at 174.84%. On loan-to-deposit ratio, First Federal Bank of Wisconsin ranks 15th highest among the 153 banks headquartered in Wisconsin, at 109.66% (Q2 2026). First Federal Bank of Wisconsin reported 109.66% on loan-to-deposit ratio for Q2 2026, 28.71 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $225.8M |
| Net loans and leases | $222.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.98% |
| Loan-to-deposit ratio | 109.66% |
| Net loans to equity capital | 3.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.81% |
| Multifamily (5+ residential) | 17.23% |
| Commercial and industrial | 16.69% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| 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) | 174.84% |
| Construction concentration (Tier 1 capital + allowance) | 30.77% |
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 | 6.46% |
| Interest income on loans | $3.7M |
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 | $258.5M | $247.2M | 44.53% | 9.94% | 0.13% |
| Q4 2023 | $251.9M | $248.5M | 43.95% | 9.59% | 0.14% |
| Q1 2024 | $260.4M | $249.0M | 43.05% | 8.65% | 0.13% |
| Q2 2024 | $242.6M | $232.2M | 39.41% | 10.65% | 0.14% |
| Q3 2024 | $228.3M | $223.8M | 41.75% | 9.84% | 0.14% |
| Q4 2024 | $227.2M | $214.1M | 42.10% | 10.04% | 0.01% |
| Q1 2025 | $228.7M | $220.8M | 41.10% | 11.77% | 0.01% |
| Q2 2025 | $215.2M | $204.3M | 40.98% | 12.61% | 0.02% |
| Q3 2025 | $217.6M | $209.6M | 42.60% | 11.89% | 0.01% |
| Q4 2025 | $218.9M | $209.4M | 44.89% | 11.98% | 0.01% |
| Q1 2026 | $214.9M | $211.7M | 45.05% | 11.96% | 0.01% |
| Q2 2026 | $225.8M | $205.9M | 40.81% | 16.69% | 0.01% |
First Federal Bank of Wisconsin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Wisconsin, 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 Federal Bank of Wisconsin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30422) · FFIEC NIC profile (RSSD 331076)