National Bank of Commerce: 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 Construction concentration (Tier 1 capital + allowance): 1.78 percentage points higher than in Q1 2026, at 80.79%. Within Wisconsin, National Bank of Commerce is 59th of 153 on loan-to-deposit ratio, 92.87% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. National Bank of Commerce sits 4.67 points higher, at 92.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.72B |
| Net loans and leases | $1.70B |
| Loans held for sale | $1.1M |
| Loans to total assets | 77.06% |
| Loan-to-deposit ratio | 92.87% |
| Net loans to equity capital | 7.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.39% |
| Multifamily (5+ residential) | 9.18% |
| Commercial and industrial | 18.27% |
| Consumer | 1.87% |
| Credit cards | 0.00% |
| Farm | 0.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 335.81% |
| Construction concentration (Tier 1 capital + allowance) | 80.79% |
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 | 6.91% |
| Interest income on loans | $29.5M |
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 | $1.05B | $1.14B | 35.54% | 18.02% | 1.12% |
| Q4 2023 | $1.07B | $1.15B | 34.93% | 17.36% | 1.14% |
| Q1 2024 | $1.06B | $1.16B | 35.77% | 17.28% | 1.06% |
| Q2 2024 | $1.08B | $1.17B | 34.88% | 17.86% | 1.13% |
| Q3 2024 | $1.09B | $1.24B | 34.81% | 18.52% | 1.12% |
| Q4 2024 | $1.63B | $1.83B | 32.21% | 17.43% | 2.72% |
| Q1 2025 | $1.65B | $1.81B | 31.75% | 16.77% | 2.15% |
| Q2 2025 | $1.70B | $1.80B | 32.01% | 17.03% | 2.31% |
| Q3 2025 | $1.66B | $1.87B | 31.53% | 17.76% | 2.24% |
| Q4 2025 | $1.67B | $1.85B | 31.47% | 18.30% | 2.04% |
| Q1 2026 | $1.69B | $1.84B | 31.44% | 18.27% | 1.76% |
| Q2 2026 | $1.72B | $1.85B | 32.39% | 18.27% | 1.87% |
National Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Commerce, 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 National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14266) · FFIEC NIC profile (RSSD 775456)