John Deere Financial, F.S.B.: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 16.50 percentage points higher than in Q1 2026, at 314.52%. John Deere Financial, F.S.B. has the highest loan-to-deposit ratio of the 153 banks headquartered in Wisconsin, 314.52% as of Q2 2026. John Deere Financial, F.S.B.'s loan-to-deposit ratio of 314.52% is well above the 88.20% median for banks in the $1B-10B asset tier, a gap of 226.31 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.91B |
| Net loans and leases | $4.91B |
| Loans held for sale | $0 |
| Loans to total assets | 99.54% |
| Loan-to-deposit ratio | 314.52% |
| Net loans to equity capital | 5.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.92% |
| Consumer | 11.70% |
| Credit cards | 11.70% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 9.72% |
| Interest income on loans | $110.4M |
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 | $4.61B | $1.61B | 0.00% | 4.28% | 13.45% |
| Q4 2023 | $3.38B | $1.34B | 0.00% | 5.26% | 17.41% |
| Q1 2024 | $3.39B | $1.28B | 0.00% | 4.94% | 16.25% |
| Q2 2024 | $4.33B | $1.55B | 0.00% | 4.16% | 15.05% |
| Q3 2024 | $4.57B | $1.63B | 0.00% | 4.27% | 14.12% |
| Q4 2024 | $3.42B | $1.34B | 0.00% | 4.86% | 17.24% |
| Q1 2025 | $3.75B | $1.33B | 0.00% | 4.51% | 14.28% |
| Q2 2025 | $4.53B | $1.53B | 0.00% | 3.99% | 13.32% |
| Q3 2025 | $4.77B | $1.63B | 0.00% | 4.22% | 12.53% |
| Q4 2025 | $3.37B | $1.27B | 0.00% | 4.97% | 15.97% |
| Q1 2026 | $4.05B | $1.36B | 0.00% | 4.23% | 12.57% |
| Q2 2026 | $4.91B | $1.56B | 0.00% | 3.92% | 11.70% |
John Deere Financial, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock John Deere Financial, F.S.B., 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 John Deere Financial, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35237) · FFIEC NIC profile (RSSD 2992547)