The International Bank of Amherst: 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 2.01 percentage points in Q3 2026, from 29.77% to 27.76%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, The International Bank of Amherst is 12th from the bottom among 153 Wisconsin banks, 60.18% (Q3 2026). The International Bank of Amherst reported 60.18% on loan-to-deposit ratio for Q3 2026, 20.77 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $53.7M |
| Net loans and leases | $53.3M |
| Loans held for sale | $0 |
| Loans to total assets | 51.70% |
| Loan-to-deposit ratio | 60.18% |
| Net loans to equity capital | 3.69% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.05% |
| Multifamily (5+ residential) | 1.87% |
| Commercial and industrial | 9.00% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 12.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 11.23% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.76% |
| Construction concentration (Tier 1 capital + allowance) | 7.56% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $861K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $42.8M | $85.2M | 21.51% | 11.06% | 1.25% |
| Q1 2024 | $43.0M | $82.1M | 20.81% | 11.23% | 1.03% |
| Q2 2024 | $45.0M | $83.2M | 22.11% | 11.80% | 1.03% |
| Q3 2024 | $45.8M | $85.7M | 22.14% | 11.33% | 1.02% |
| Q4 2024 | $48.1M | $86.1M | 23.71% | 10.96% | 0.83% |
| Q1 2025 | $47.3M | $84.3M | 23.03% | 10.81% | 0.70% |
| Q2 2025 | $49.1M | $86.7M | 22.09% | 10.39% | 0.68% |
| Q3 2025 | $51.2M | $83.9M | 21.24% | 9.82% | 0.70% |
| Q4 2025 | $52.1M | $89.6M | 21.37% | 8.87% | 0.50% |
| Q1 2026 | $51.6M | $85.7M | 23.28% | 9.21% | 0.55% |
| Q2 2026 | $53.5M | $88.9M | 22.95% | 9.65% | 0.52% |
| Q3 2026 | $53.7M | $89.2M | 22.05% | 9.00% | 0.51% |
The International Bank of Amherst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The International Bank of Amherst, 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 The International Bank of Amherst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14907) · FFIEC NIC profile (RSSD 504647)