Northern 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.
Loan-to-deposit ratio climbed 1.87 percentage points in Q2 2026, from 50.79% to 52.66%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Northern State Bank is 8th from the bottom among 153 Wisconsin banks, 52.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Northern State Bank sits 28.18 points lower, at 52.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $156.4M |
| Net loans and leases | $154.7M |
| Loans held for sale | $0 |
| Loans to total assets | 47.30% |
| Loan-to-deposit ratio | 52.66% |
| Net loans to equity capital | 4.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.14% |
| Multifamily (5+ residential) | 3.16% |
| Commercial and industrial | 9.10% |
| Consumer | 1.51% |
| Credit cards | 0.04% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.70% |
| Construction concentration (Tier 1 capital + allowance) | 23.99% |
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 | 6.49% |
| Interest income on loans | $2.5M |
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 | $158.2M | $287.5M | 29.87% | 9.48% | 1.37% |
| Q4 2023 | $159.4M | $295.7M | 28.12% | 9.88% | 1.39% |
| Q1 2024 | $158.7M | $283.8M | 29.95% | 9.74% | 1.50% |
| Q2 2024 | $161.0M | $275.5M | 30.44% | 9.20% | 1.60% |
| Q3 2024 | $165.4M | $275.7M | 28.86% | 11.46% | 1.54% |
| Q4 2024 | $162.3M | $274.7M | 29.52% | 10.04% | 1.57% |
| Q1 2025 | $155.9M | $275.8M | 28.23% | 10.42% | 1.53% |
| Q2 2025 | $158.2M | $273.3M | 27.76% | 10.47% | 1.57% |
| Q3 2025 | $157.8M | $293.2M | 28.12% | 9.67% | 1.51% |
| Q4 2025 | $155.0M | $297.1M | 27.22% | 9.61% | 1.47% |
| Q1 2026 | $150.1M | $295.6M | 27.67% | 8.98% | 1.68% |
| Q2 2026 | $156.4M | $297.1M | 28.14% | 9.10% | 1.51% |
Northern State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern 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 Northern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15242) · FFIEC NIC profile (RSSD 625757)