First National 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.
Construction concentration (tier 1 capital + allowance) climbed 6.46 percentage points in Q2 2026, from 48.16% to 54.62%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, First National Community Bank is 119th of 153 on loan-to-deposit ratio, 76.31% as of Q2 2026, below the middle of the field. First National Community Bank reported 76.31% on loan-to-deposit ratio for Q2 2026, 4.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $237.9M |
| Net loans and leases | $235.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.90% |
| Loan-to-deposit ratio | 76.31% |
| Net loans to equity capital | 8.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.89% |
| Multifamily (5+ residential) | 2.71% |
| Commercial and industrial | 9.43% |
| Consumer | 2.41% |
| Credit cards | 0.00% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.49% |
| Construction concentration (Tier 1 capital + allowance) | 54.62% |
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 | 7.06% |
| Interest income on loans | $4.1M |
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 | $190.7M | $286.2M | 34.07% | 12.14% | 2.25% |
| Q4 2023 | $194.2M | $280.5M | 34.05% | 12.74% | 1.99% |
| Q1 2024 | $195.4M | $283.3M | 34.77% | 12.44% | 1.86% |
| Q2 2024 | $201.2M | $282.8M | 37.12% | 11.98% | 1.75% |
| Q3 2024 | $194.4M | $284.4M | 36.64% | 11.42% | 1.66% |
| Q4 2024 | $201.1M | $285.8M | 38.01% | 12.11% | 1.44% |
| Q1 2025 | $202.9M | $301.3M | 40.19% | 12.19% | 1.33% |
| Q2 2025 | $209.9M | $292.1M | 40.40% | 10.08% | 3.45% |
| Q3 2025 | $213.2M | $296.5M | 41.97% | 9.78% | 3.22% |
| Q4 2025 | $219.7M | $287.0M | 42.84% | 9.66% | 2.97% |
| Q1 2026 | $230.8M | $304.1M | 43.03% | 9.43% | 2.66% |
| Q2 2026 | $237.9M | $311.8M | 43.89% | 9.43% | 2.41% |
First National Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5357) · FFIEC NIC profile (RSSD 23755)