Headwaters 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.
CRE concentration (Tier 1 capital + allowance) dropped 2.64 percentage points in Q2 2026, from 37.64% to 35.00%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Headwaters State Bank is 114th of 153 on loan-to-deposit ratio, 78.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Headwaters State Bank reported 78.35% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.6M |
| Net loans and leases | $79.7M |
| Loans held for sale | $0 |
| Loans to total assets | 65.81% |
| Loan-to-deposit ratio | 78.35% |
| Net loans to equity capital | 4.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.03% |
| Consumer | 2.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.00% |
| Construction concentration (Tier 1 capital + allowance) | 35.00% |
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 | 5.86% |
| Interest income on loans | $1.2M |
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 | $65.7M | $79.1M | 28.93% | 10.17% | 2.84% |
| Q4 2023 | $66.8M | $78.2M | 36.62% | 9.93% | 2.75% |
| Q1 2024 | $66.1M | $76.2M | 37.29% | 9.43% | 2.54% |
| Q2 2024 | $68.0M | $75.0M | 38.04% | 8.90% | 2.58% |
| Q3 2024 | $70.7M | $82.0M | 38.78% | 10.73% | 2.39% |
| Q4 2024 | $74.8M | $92.5M | 43.75% | 7.90% | 2.24% |
| Q1 2025 | $74.6M | $93.1M | 44.52% | 7.21% | 2.19% |
| Q2 2025 | $77.1M | $93.9M | 44.42% | 8.67% | 2.13% |
| Q3 2025 | $77.4M | $97.9M | 44.44% | 8.30% | 2.13% |
| Q4 2025 | $79.0M | $98.1M | 44.35% | 8.98% | 2.17% |
| Q1 2026 | $80.3M | $100.4M | 44.56% | 9.61% | 2.05% |
| Q2 2026 | $80.6M | $102.9M | 45.14% | 9.03% | 2.10% |
Headwaters State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Headwaters 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 Headwaters State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9035) · FFIEC NIC profile (RSSD 224954)