National Exchange Bank and Trust: 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.
Loan-to-deposit ratio climbed 3.57 percentage points in Q2 2026, from 71.72% to 75.29%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, National Exchange Bank and Trust is 122nd of 153 on loan-to-deposit ratio, 75.29% as of Q2 2026, below the middle of the field. National Exchange Bank and Trust reported 75.29% on loan-to-deposit ratio for Q2 2026, 12.91 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.70B |
| Net loans and leases | $1.65B |
| Loans held for sale | $0 |
| Loans to total assets | 58.79% |
| Loan-to-deposit ratio | 75.29% |
| Net loans to equity capital | 2.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.20% |
| Multifamily (5+ residential) | 5.67% |
| Commercial and industrial | 14.19% |
| Consumer | 1.41% |
| Credit cards | 0.21% |
| Farm | 1.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.04% |
| Construction concentration (Tier 1 capital + allowance) | 22.98% |
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 | 6.22% |
| Interest income on loans | $26.1M |
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 | $1.66B | $2.14B | 39.03% | 13.53% | 1.60% |
| Q4 2023 | $1.69B | $2.20B | 38.39% | 13.74% | 1.60% |
| Q1 2024 | $1.68B | $2.24B | 38.27% | 12.48% | 1.59% |
| Q2 2024 | $1.65B | $2.24B | 38.48% | 12.75% | 1.65% |
| Q3 2024 | $1.64B | $2.32B | 38.64% | 12.42% | 1.66% |
| Q4 2024 | $1.62B | $2.33B | 40.42% | 12.63% | 1.63% |
| Q1 2025 | $1.67B | $2.39B | 43.77% | 12.70% | 1.51% |
| Q2 2025 | $1.68B | $2.33B | 41.94% | 12.97% | 1.51% |
| Q3 2025 | $1.69B | $2.32B | 40.90% | 11.93% | 1.47% |
| Q4 2025 | $1.71B | $2.30B | 40.75% | 12.89% | 1.42% |
| Q1 2026 | $1.66B | $2.32B | 41.61% | 13.09% | 1.42% |
| Q2 2026 | $1.70B | $2.26B | 40.20% | 14.19% | 1.41% |
National Exchange Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Exchange Bank and Trust, 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 Exchange Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10044) · FFIEC NIC profile (RSSD 722544)