Keysavings 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 12.43 percentage points in Q2 2026, from 144.66% to 132.23%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Keysavings Bank is 108th of 153 on loan-to-deposit ratio, 79.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Keysavings Bank reported 79.25% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.0M |
| Net loans and leases | $78.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.04% |
| Loan-to-deposit ratio | 79.25% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.16% |
| Consumer | 4.56% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.23% |
| Construction concentration (Tier 1 capital + allowance) | 19.34% |
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 | 6.97% |
| Interest income on loans | $1.4M |
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 | $49.3M | $70.8M | 6.80% | 1.11% | 1.84% |
| Q4 2023 | $53.4M | $72.2M | 7.93% | 0.92% | 2.11% |
| Q1 2024 | $56.7M | $77.2M | 8.47% | 0.77% | 2.12% |
| Q2 2024 | $61.2M | $81.1M | 8.86% | 0.58% | 2.23% |
| Q3 2024 | $61.9M | $85.5M | 10.35% | 0.48% | 2.21% |
| Q4 2024 | $64.1M | $88.1M | 9.53% | 0.35% | 2.36% |
| Q1 2025 | $68.7M | $91.4M | 9.26% | 0.29% | 2.52% |
| Q2 2025 | $74.9M | $96.1M | 10.06% | 5.78% | 3.19% |
| Q3 2025 | $74.9M | $97.9M | 14.58% | 0.24% | 3.95% |
| Q4 2025 | $77.2M | $96.6M | 15.14% | 0.21% | 3.99% |
| Q1 2026 | $78.5M | $95.2M | 18.14% | 0.19% | 4.33% |
| Q2 2026 | $79.0M | $99.7M | 17.96% | 0.16% | 4.56% |
Keysavings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Keysavings 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 Keysavings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29691) · FFIEC NIC profile (RSSD 208972)