Oakwood 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 dropped 5.54 percentage points in Q2 2026, from 108.87% to 103.32%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Oakwood Bank is 26th of 153 on loan-to-deposit ratio, 103.32% as of Q2 2026, above the middle of the field. Oakwood Bank reported 103.32% on loan-to-deposit ratio for Q2 2026, 22.48 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.0M |
| Net loans and leases | $126.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.86% |
| Loan-to-deposit ratio | 103.32% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.97% |
| Multifamily (5+ residential) | 2.47% |
| Commercial and industrial | 14.30% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 31.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.93% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.73% |
| Construction concentration (Tier 1 capital + allowance) | 8.08% |
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 | 6.97% |
| Interest income on loans | $2.3M |
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 | $106.7M | $96.5M | 9.83% | 15.69% | 0.55% |
| Q4 2023 | $107.2M | $99.9M | 10.49% | 15.86% | 0.57% |
| Q1 2024 | $112.4M | $99.8M | 10.95% | 16.30% | 0.57% |
| Q2 2024 | $112.1M | $101.1M | 10.92% | 15.55% | 0.60% |
| Q3 2024 | $110.4M | $100.7M | 11.08% | 14.87% | 0.62% |
| Q4 2024 | $113.5M | $103.7M | 11.63% | 17.20% | 0.59% |
| Q1 2025 | $120.2M | $110.4M | 14.00% | 16.28% | 0.54% |
| Q2 2025 | $125.0M | $112.3M | 14.83% | 15.54% | 0.55% |
| Q3 2025 | $126.2M | $113.9M | 15.82% | 15.11% | 0.46% |
| Q4 2025 | $126.8M | $116.4M | 15.61% | 15.91% | 0.47% |
| Q1 2026 | $130.1M | $119.5M | 15.49% | 15.53% | 0.44% |
| Q2 2026 | $128.0M | $123.9M | 15.97% | 14.30% | 0.39% |
Oakwood Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Oakwood 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 Oakwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13030) · FFIEC NIC profile (RSSD 37051)