First State 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 Construction concentration (Tier 1 capital + allowance): 14.19 percentage points lower than in Q1 2026, at 52.75%. Within Wisconsin, First State Bank is 78th of 153 on loan-to-deposit ratio, 87.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 7.43 points higher, at 87.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.8M |
| Net loans and leases | $391.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.91% |
| Loan-to-deposit ratio | 87.99% |
| Net loans to equity capital | 7.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.08% |
| Multifamily (5+ residential) | 6.77% |
| Commercial and industrial | 6.28% |
| Consumer | 0.77% |
| Credit cards | 0.20% |
| Farm | 9.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 301.55% |
| Construction concentration (Tier 1 capital + allowance) | 52.75% |
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 | 6.44% |
| Interest income on loans | $6.4M |
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 | $345.7M | $455.4M | 29.18% | 6.39% | 3.67% |
| Q4 2023 | $347.8M | $465.2M | 29.96% | 6.68% | 3.49% |
| Q1 2024 | $345.8M | $469.4M | 29.53% | 6.08% | 3.36% |
| Q2 2024 | $338.8M | $454.6M | 30.19% | 6.11% | 3.32% |
| Q3 2024 | $335.0M | $450.3M | 30.50% | 6.10% | 3.32% |
| Q4 2024 | $337.5M | $450.0M | 30.40% | 6.51% | 3.40% |
| Q1 2025 | $332.4M | $447.9M | 32.83% | 7.20% | 3.26% |
| Q2 2025 | $337.8M | $437.8M | 35.63% | 7.40% | 1.07% |
| Q3 2025 | $352.6M | $435.9M | 36.85% | 6.99% | 1.09% |
| Q4 2025 | $383.4M | $457.2M | 39.58% | 5.78% | 0.90% |
| Q1 2026 | $386.3M | $456.4M | 42.25% | 6.51% | 0.89% |
| Q2 2026 | $395.8M | $449.8M | 43.08% | 6.28% | 0.77% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15271) · FFIEC NIC profile (RSSD 801047)