Johnson 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.
Construction concentration (Tier 1 capital + allowance) dropped 15.68 percentage points in Q2 2026, from 48.99% to 33.31%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Johnson Bank is 48th of 153 on loan-to-deposit ratio, 95.56% as of Q2 2026. Johnson Bank reported 95.56% on loan-to-deposit ratio for Q2 2026, 7.36 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.38B |
| Net loans and leases | $5.30B |
| Loans held for sale | $12.2M |
| Loans to total assets | 76.09% |
| Loan-to-deposit ratio | 95.56% |
| Net loans to equity capital | 6.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.72% |
| Multifamily (5+ residential) | 15.01% |
| Commercial and industrial | 13.60% |
| Consumer | 1.56% |
| Credit cards | 0.35% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.39% |
| Construction concentration (Tier 1 capital + allowance) | 33.31% |
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 | 5.72% |
| Interest income on loans | $75.8M |
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 | $4.79B | $5.07B | 26.52% | 17.81% | 1.81% |
| Q4 2023 | $4.70B | $5.07B | 26.46% | 16.86% | 1.71% |
| Q1 2024 | $4.77B | $5.10B | 26.35% | 16.34% | 1.66% |
| Q2 2024 | $4.87B | $5.12B | 26.27% | 16.92% | 1.62% |
| Q3 2024 | $4.99B | $5.15B | 26.27% | 16.41% | 1.73% |
| Q4 2024 | $5.05B | $5.37B | 27.82% | 15.10% | 1.77% |
| Q1 2025 | $5.18B | $5.31B | 27.28% | 14.47% | 1.56% |
| Q2 2025 | $5.35B | $5.48B | 27.43% | 13.97% | 1.60% |
| Q3 2025 | $5.42B | $5.78B | 26.88% | 13.64% | 1.65% |
| Q4 2025 | $5.28B | $5.99B | 27.58% | 13.86% | 1.66% |
| Q1 2026 | $5.29B | $5.84B | 27.82% | 13.55% | 1.52% |
| Q2 2026 | $5.38B | $5.63B | 28.72% | 13.60% | 1.56% |
Johnson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson 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 Johnson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20296) · FFIEC NIC profile (RSSD 58243)