Independence 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 9.46 percentage points in Q2 2026, from 90.28% to 80.82%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Independence State Bank is 70th of 153 on loan-to-deposit ratio, 90.69% as of Q2 2026, above the middle of the field. Independence State Bank reported 90.69% on loan-to-deposit ratio for Q2 2026, 23.07 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.5M |
| Net loans and leases | $64.8M |
| Loans held for sale | $0 |
| Loans to total assets | 77.81% |
| Loan-to-deposit ratio | 90.69% |
| Net loans to equity capital | 7.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.74% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.60% |
| Consumer | 1.00% |
| Credit cards | 0.00% |
| Farm | 28.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.82% |
| Construction concentration (Tier 1 capital + allowance) | 19.86% |
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 | $1.1M |
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 | $53.7M | $65.5M | 14.82% | 11.96% | 1.18% |
| Q4 2023 | $55.1M | $65.3M | 15.85% | 11.31% | 1.11% |
| Q1 2024 | $55.3M | $65.8M | 15.72% | 10.98% | 1.20% |
| Q2 2024 | $56.8M | $63.9M | 13.69% | 12.84% | 1.56% |
| Q3 2024 | $56.2M | $68.2M | 13.84% | 12.35% | 1.58% |
| Q4 2024 | $55.4M | $71.6M | 15.02% | 12.44% | 1.43% |
| Q1 2025 | $57.6M | $73.8M | 15.08% | 13.93% | 1.10% |
| Q2 2025 | $59.4M | $71.7M | 17.23% | 13.03% | 1.09% |
| Q3 2025 | $61.6M | $72.6M | 18.76% | 12.36% | 1.07% |
| Q4 2025 | $64.7M | $76.5M | 19.03% | 12.25% | 1.06% |
| Q1 2026 | $66.8M | $73.6M | 19.14% | 11.56% | 0.96% |
| Q2 2026 | $65.5M | $72.2M | 18.74% | 11.60% | 1.00% |
Independence State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Independence 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 Independence State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10741) · FFIEC NIC profile (RSSD 396057)