Incrediblebank: 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.
Loans held for sale dropped 70.1% in Q2 2026, from $4.2M to $1.3M. It was the largest change from Q1 2026 among the key lines here. Incrediblebank ranks 74th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 89.92% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Incrediblebank reported 89.92% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.60B |
| Net loans and leases | $1.58B |
| Loans held for sale | $1.3M |
| Loans to total assets | 76.07% |
| Loan-to-deposit ratio | 89.92% |
| Net loans to equity capital | 9.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.36% |
| Multifamily (5+ residential) | 3.94% |
| Commercial and industrial | 36.64% |
| Consumer | 8.77% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.62% |
| Construction concentration (Tier 1 capital + allowance) | 34.39% |
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 | 6.66% |
| Interest income on loans | $25.9M |
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 | $1.41B | $1.68B | 32.08% | 39.97% | 6.09% |
| Q4 2023 | $1.44B | $1.68B | 31.04% | 41.56% | 6.14% |
| Q1 2024 | $1.43B | $1.70B | 32.13% | 41.42% | 6.28% |
| Q2 2024 | $1.48B | $1.73B | 31.94% | 40.87% | 6.27% |
| Q3 2024 | $1.49B | $1.74B | 31.64% | 40.11% | 6.40% |
| Q4 2024 | $1.49B | $1.74B | 32.60% | 39.57% | 6.47% |
| Q1 2025 | $1.49B | $1.79B | 32.94% | 38.41% | 6.74% |
| Q2 2025 | $1.51B | $1.78B | 32.42% | 38.32% | 6.80% |
| Q3 2025 | $1.49B | $1.74B | 32.85% | 37.23% | 6.87% |
| Q4 2025 | $1.55B | $1.74B | 32.04% | 37.33% | 7.16% |
| Q1 2026 | $1.53B | $1.78B | 31.50% | 37.05% | 7.52% |
| Q2 2026 | $1.60B | $1.78B | 30.36% | 36.64% | 8.77% |
Incrediblebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Incrediblebank, 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 Incrediblebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19772) · FFIEC NIC profile (RSSD 163549)