Great Midwest Bank, State Savings 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): 4.43 percentage points higher than in Q1 2026, at 137.82%. Among 153 Wisconsin banks, Great Midwest Bank, State Savings Bank sits 2nd from the top on loan-to-deposit ratio, 151.24% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Great Midwest Bank, State Savings Bank reported 151.24% on loan-to-deposit ratio in Q2 2026, 63.04 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $938.9M |
| Net loans and leases | $934.9M |
| Loans held for sale | $4.2M |
| Loans to total assets | 88.46% |
| Loan-to-deposit ratio | 151.24% |
| Net loans to equity capital | 5.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 11.05% |
| Commercial and industrial | 0.00% |
| Consumer | 0.23% |
| 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) | 137.82% |
| Construction concentration (Tier 1 capital + allowance) | 79.35% |
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 | 5.88% |
| Interest income on loans | $13.7M |
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 | $848.0M | $576.2M | 0.00% | 0.00% | 0.69% |
| Q4 2023 | $862.5M | $574.6M | 0.00% | 0.00% | 0.63% |
| Q1 2024 | $880.5M | $589.1M | 0.00% | 0.00% | 0.57% |
| Q2 2024 | $877.9M | $590.4M | 0.00% | 0.00% | 0.53% |
| Q3 2024 | $873.2M | $615.8M | 0.00% | 0.00% | 0.48% |
| Q4 2024 | $873.4M | $592.4M | 0.00% | 0.00% | 0.44% |
| Q1 2025 | $890.2M | $621.2M | 0.00% | 0.00% | 0.38% |
| Q2 2025 | $881.0M | $627.1M | 0.00% | 0.00% | 0.36% |
| Q3 2025 | $892.5M | $621.1M | 0.00% | 0.00% | 0.32% |
| Q4 2025 | $923.2M | $609.2M | 0.00% | 0.00% | 0.28% |
| Q1 2026 | $910.5M | $616.9M | 0.00% | 0.00% | 0.27% |
| Q2 2026 | $938.9M | $620.8M | 0.00% | 0.00% | 0.23% |
Great Midwest Bank, State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Midwest Bank, State Savings 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 Great Midwest Bank, State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29657) · FFIEC NIC profile (RSSD 524579)