The Northwestern 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.
Cre concentration (tier 1 capital + allowance) climbed 6.00 percentage points in Q2 2026, from 171.38% to 177.37%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, The Northwestern Bank is 25th of 153 on loan-to-deposit ratio, 104.06% as of Q2 2026, above the middle of the field. The Northwestern Bank reported 104.06% on loan-to-deposit ratio for Q2 2026, 23.22 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $598.5M |
| Net loans and leases | $587.4M |
| Loans held for sale | $323K |
| Loans to total assets | 82.48% |
| Loan-to-deposit ratio | 104.06% |
| Net loans to equity capital | 7.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.44% |
| Multifamily (5+ residential) | 8.25% |
| Commercial and industrial | 28.31% |
| Consumer | 0.62% |
| Credit cards | 0.03% |
| Farm | 1.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.37% |
| Construction concentration (Tier 1 capital + allowance) | 50.42% |
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 | 6.03% |
| Interest income on loans | $8.8M |
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 | $473.5M | $555.6M | 35.81% | 27.34% | 0.98% |
| Q4 2023 | $520.6M | $567.5M | 34.52% | 28.55% | 1.26% |
| Q1 2024 | $537.2M | $540.4M | 34.92% | 29.05% | 1.26% |
| Q2 2024 | $561.2M | $543.8M | 34.50% | 29.20% | 0.55% |
| Q3 2024 | $565.2M | $534.5M | 36.39% | 29.65% | 0.59% |
| Q4 2024 | $565.3M | $538.0M | 36.83% | 28.75% | 0.49% |
| Q1 2025 | $576.2M | $520.7M | 35.26% | 28.62% | 0.56% |
| Q2 2025 | $574.7M | $536.2M | 35.66% | 29.05% | 0.55% |
| Q3 2025 | $548.3M | $574.3M | 37.59% | 25.83% | 0.73% |
| Q4 2025 | $559.2M | $569.1M | 36.27% | 26.17% | 0.41% |
| Q1 2026 | $576.1M | $577.2M | 35.02% | 27.21% | 0.32% |
| Q2 2026 | $598.5M | $575.2M | 34.44% | 28.31% | 0.62% |
The Northwestern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northwestern 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 The Northwestern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2468) · FFIEC NIC profile (RSSD 153054)