The Park 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 Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.52 percentage points higher than in Q1 2026, at 432.73%. Within Wisconsin, The Park Bank is 24th of 153 on loan-to-deposit ratio, 104.80% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Park Bank sits 16.60 points higher, at 104.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.31B |
| Net loans and leases | $1.29B |
| Loans held for sale | $3.8M |
| Loans to total assets | 84.93% |
| Loan-to-deposit ratio | 104.80% |
| Net loans to equity capital | 8.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.66% |
| Multifamily (5+ residential) | 23.33% |
| Commercial and industrial | 4.55% |
| Consumer | 1.59% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 432.73% |
| Construction concentration (Tier 1 capital + allowance) | 39.44% |
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 | 5.14% |
| Interest income on loans | $16.6M |
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 | $1.27B | $1.15B | 40.31% | 8.64% | 0.75% |
| Q4 2023 | $1.32B | $1.17B | 38.70% | 8.09% | 0.76% |
| Q1 2024 | $1.30B | $1.15B | 40.80% | 6.17% | 0.71% |
| Q2 2024 | $1.30B | $1.16B | 40.44% | 6.01% | 0.71% |
| Q3 2024 | $1.27B | $1.14B | 41.98% | 5.36% | 0.66% |
| Q4 2024 | $1.26B | $1.18B | 45.14% | 4.82% | 0.69% |
| Q1 2025 | $1.27B | $1.21B | 45.17% | 4.68% | 0.96% |
| Q2 2025 | $1.29B | $1.19B | 43.15% | 4.60% | 1.01% |
| Q3 2025 | $1.30B | $1.21B | 41.68% | 4.60% | 1.09% |
| Q4 2025 | $1.32B | $1.29B | 41.81% | 4.30% | 1.02% |
| Q1 2026 | $1.28B | $1.25B | 41.27% | 4.36% | 1.90% |
| Q2 2026 | $1.31B | $1.25B | 40.66% | 4.55% | 1.59% |
The Park Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park 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 Park Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19608) · FFIEC NIC profile (RSSD 403946)