Great North 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.
Cre concentration (tier 1 capital + allowance) climbed 5.26 percentage points in Q2 2026, from 113.70% to 118.97%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Great North Bank is 75th of 153 on loan-to-deposit ratio, 88.95% as of Q2 2026, above the middle of the field. Great North Bank reported 88.95% on loan-to-deposit ratio for Q2 2026, 8.11 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $155.1M |
| Net loans and leases | $153.9M |
| Loans held for sale | $58.1M |
| Loans to total assets | 66.47% |
| Loan-to-deposit ratio | 88.95% |
| Net loans to equity capital | 4.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.02% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 3.54% |
| Consumer | 4.40% |
| Credit cards | 0.00% |
| Farm | 0.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.97% |
| Construction concentration (Tier 1 capital + allowance) | 38.23% |
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 | — |
| Interest income on loans | $3.0M |
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 | $89.1M | $113.6M | 20.79% | 21.52% | 2.49% |
| Q4 2023 | $81.9M | $114.3M | 24.63% | 20.87% | 2.36% |
| Q1 2024 | $88.3M | $121.8M | 22.46% | 18.27% | 12.68% |
| Q2 2024 | $81.7M | $124.5M | 22.90% | 18.02% | 13.13% |
| Q3 2024 | $88.6M | $130.5M | 18.44% | 16.47% | 11.44% |
| Q4 2024 | $80.6M | $135.7M | 19.77% | 16.00% | 11.94% |
| Q1 2025 | $89.0M | $132.9M | 22.18% | 14.55% | 10.20% |
| Q2 2025 | $101.3M | $135.3M | 24.56% | 13.31% | 8.65% |
| Q3 2025 | $122.8M | $151.4M | 25.97% | 8.16% | 6.69% |
| Q4 2025 | $133.5M | $172.3M | 22.00% | 6.10% | 5.82% |
| Q1 2026 | $143.6M | $170.4M | 20.01% | 5.11% | 5.03% |
| Q2 2026 | $155.1M | $174.4M | 19.02% | 3.54% | 4.40% |
Great North Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great North 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 North Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15146) · FFIEC NIC profile (RSSD 576354)