Oak 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 11.75 percentage points in Q2 2026, from 220.35% to 232.10%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Oak Bank is 69th of 153 on loan-to-deposit ratio, 90.82% as of Q2 2026. Oak Bank reported 90.82% on loan-to-deposit ratio for Q2 2026, 10.26 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $381.0M |
| Net loans and leases | $374.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.35% |
| Loan-to-deposit ratio | 90.82% |
| Net loans to equity capital | 7.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.49% |
| Multifamily (5+ residential) | 8.52% |
| Commercial and industrial | 16.54% |
| Consumer | 0.26% |
| Credit cards | 0.17% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.10% |
| Construction concentration (Tier 1 capital + allowance) | 45.34% |
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 | 6.00% |
| Interest income on loans | $5.5M |
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 | $369.9M | $388.4M | 42.89% | 14.94% | 0.34% |
| Q4 2023 | $377.5M | $401.0M | 42.63% | 15.59% | 0.35% |
| Q1 2024 | $387.5M | $403.5M | 42.78% | 16.63% | 0.60% |
| Q2 2024 | $387.6M | $406.5M | 42.41% | 17.24% | 0.29% |
| Q3 2024 | $389.7M | $419.4M | 42.46% | 17.78% | 0.29% |
| Q4 2024 | $386.2M | $407.8M | 41.74% | 17.68% | 0.32% |
| Q1 2025 | $376.9M | $403.7M | 42.16% | 17.23% | 0.36% |
| Q2 2025 | $383.1M | $410.3M | 41.79% | 16.70% | 0.35% |
| Q3 2025 | $373.8M | $419.0M | 40.81% | 16.61% | 0.32% |
| Q4 2025 | $369.2M | $406.5M | 40.25% | 16.54% | 0.39% |
| Q1 2026 | $362.7M | $397.6M | 40.14% | 16.40% | 0.31% |
| Q2 2026 | $381.0M | $419.6M | 43.49% | 16.54% | 0.26% |
Oak Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oak 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 Oak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)