Forward 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): 3.72 percentage points higher than in Q1 2026, at 95.88%. Forward Bank ranks 65th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 91.34% (Q2 2026). Forward Bank reported 91.34% on loan-to-deposit ratio for Q2 2026, 3.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $947.1M |
| Net loans and leases | $938.1M |
| Loans held for sale | $1.4M |
| Loans to total assets | 73.82% |
| Loan-to-deposit ratio | 91.34% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.26% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 15.94% |
| Consumer | 2.92% |
| Credit cards | 0.03% |
| Farm | 17.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 95.88% |
| Construction concentration (Tier 1 capital + allowance) | 36.90% |
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 | 6.67% |
| Interest income on loans | $15.3M |
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 | $697.8M | $802.9M | 21.14% | 14.45% | 4.23% |
| Q4 2023 | $722.7M | $832.7M | 21.77% | 13.92% | 4.06% |
| Q1 2024 | $735.4M | $835.9M | 21.28% | 14.25% | 3.87% |
| Q2 2024 | $786.1M | $903.5M | 20.13% | 14.05% | 3.71% |
| Q3 2024 | $796.8M | $941.3M | 18.92% | 13.93% | 3.54% |
| Q4 2024 | $810.0M | $957.5M | 19.00% | 13.94% | 3.23% |
| Q1 2025 | $814.9M | $948.0M | 19.01% | 14.79% | 3.09% |
| Q2 2025 | $831.5M | $947.3M | 19.29% | 15.08% | 3.08% |
| Q3 2025 | $840.7M | $961.9M | 18.50% | 14.31% | 3.02% |
| Q4 2025 | $869.7M | $999.8M | 18.65% | 14.96% | 2.83% |
| Q1 2026 | $892.7M | $1.00B | 19.18% | 15.24% | 2.95% |
| Q2 2026 | $947.1M | $1.04B | 19.26% | 15.94% | 2.92% |
Forward Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Forward 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 Forward Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28530) · FFIEC NIC profile (RSSD 313577)