Mound City 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) climbed 10.00 percentage points in Q2 2026, from 37.81% to 47.81%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Mound City Bank is 61st of 153 on loan-to-deposit ratio, 92.78% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mound City Bank sits 11.94 points higher, at 92.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $434.2M |
| Net loans and leases | $428.3M |
| Loans held for sale | $308K |
| Loans to total assets | 78.84% |
| Loan-to-deposit ratio | 92.78% |
| Net loans to equity capital | 6.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.41% |
| Multifamily (5+ residential) | 13.05% |
| Commercial and industrial | 3.11% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 13.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 202.25% |
| Construction concentration (Tier 1 capital + allowance) | 47.81% |
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 | 5.86% |
| Interest income on loans | $6.3M |
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 | $361.0M | $401.1M | 23.49% | 2.93% | 0.82% |
| Q4 2023 | $376.8M | $409.7M | 23.57% | 3.25% | 0.76% |
| Q1 2024 | $379.6M | $421.5M | 23.13% | 3.21% | 0.72% |
| Q2 2024 | $385.7M | $425.6M | 22.78% | 3.35% | 0.78% |
| Q3 2024 | $391.2M | $431.2M | 21.98% | 3.50% | 0.78% |
| Q4 2024 | $391.5M | $434.7M | 21.53% | 3.19% | 0.65% |
| Q1 2025 | $395.5M | $438.4M | 21.00% | 3.69% | 0.68% |
| Q2 2025 | $397.8M | $446.5M | 20.47% | 3.53% | 0.84% |
| Q3 2025 | $404.2M | $438.5M | 19.88% | 3.30% | 0.84% |
| Q4 2025 | $419.5M | $469.8M | 18.98% | 3.13% | 0.87% |
| Q1 2026 | $422.5M | $470.8M | 19.51% | 3.22% | 0.85% |
| Q2 2026 | $434.2M | $468.0M | 19.41% | 3.11% | 0.84% |
Mound City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mound City 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 Mound City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9037) · FFIEC NIC profile (RSSD 259442)