Nekoosa Port Edwards State 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.
The standout move of Q3 2026 was in Construction concentration (Tier 1 capital + allowance): 11.67 percentage points lower than in Q2 2026, at 10.39%. Nekoosa Port Edwards State Bank ranks 125th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 73.81% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Nekoosa Port Edwards State Bank sits 7.03 points lower, at 73.81% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $185.7M |
| Net loans and leases | $181.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.02% |
| Loan-to-deposit ratio | 73.81% |
| Net loans to equity capital | 4.41% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.38% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.25% |
| Consumer | 3.22% |
| Credit cards | 0.02% |
| Farm | 2.07% |
| Loans to depository institutions | 1.88% |
| State and political subdivisions | 2.28% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.47% |
| Construction concentration (Tier 1 capital + allowance) | 10.39% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.99% |
| Interest income on loans | $2.7M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $170.2M | $217.4M | 18.01% | 7.25% | 3.69% |
| Q1 2024 | $168.1M | $221.4M | 18.44% | 6.94% | 3.66% |
| Q2 2024 | $167.4M | $220.3M | 18.35% | 7.05% | 3.60% |
| Q3 2024 | $167.9M | $232.0M | 18.58% | 7.53% | 3.80% |
| Q4 2024 | $167.8M | $238.9M | 18.27% | 7.35% | 3.17% |
| Q1 2025 | $168.7M | $233.6M | 17.95% | 6.90% | 3.49% |
| Q2 2025 | $175.4M | $229.0M | 17.64% | 6.92% | 3.36% |
| Q3 2025 | $173.9M | $236.5M | 16.29% | 6.44% | 3.29% |
| Q4 2025 | $177.8M | $247.2M | 16.14% | 6.26% | 2.72% |
| Q1 2026 | $179.9M | $241.8M | 15.72% | 5.89% | 2.87% |
| Q2 2026 | $183.5M | $243.5M | 16.96% | 6.14% | 2.79% |
| Q3 2026 | $185.7M | $251.6M | 17.38% | 7.25% | 3.22% |
Nekoosa Port Edwards State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nekoosa Port Edwards State 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 Nekoosa Port Edwards State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2482) · FFIEC NIC profile (RSSD 791942)