Partners 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): 5.84 percentage points lower than in Q1 2026, at 63.25%. Partners Bank ranks 107th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 79.52% (Q2 2026). At 79.52%, Partners Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.3M |
| Net loans and leases | $175.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.61% |
| Loan-to-deposit ratio | 79.52% |
| Net loans to equity capital | 4.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.37% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 15.44% |
| Consumer | 2.79% |
| Credit cards | 0.04% |
| Farm | 11.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.25% |
| Construction concentration (Tier 1 capital + allowance) | 28.54% |
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 | 6.25% |
| Interest income on loans | $2.8M |
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 | $171.8M | $199.0M | 21.58% | 15.93% | 2.79% |
| Q4 2023 | $173.8M | $202.6M | 21.19% | 15.32% | 2.76% |
| Q1 2024 | $171.9M | $218.0M | 21.63% | 15.47% | 2.89% |
| Q2 2024 | $175.3M | $214.9M | 21.33% | 15.68% | 3.91% |
| Q3 2024 | $175.5M | $226.2M | 21.29% | 16.12% | 3.58% |
| Q4 2024 | $176.4M | $211.3M | 20.85% | 15.61% | 3.44% |
| Q1 2025 | $175.5M | $205.8M | 21.13% | 16.11% | 3.30% |
| Q2 2025 | $184.7M | $207.7M | 21.98% | 15.95% | 3.07% |
| Q3 2025 | $188.4M | $227.8M | 21.68% | 15.80% | 2.95% |
| Q4 2025 | $185.6M | $221.1M | 22.27% | 15.90% | 2.72% |
| Q1 2026 | $182.5M | $218.2M | 21.56% | 15.72% | 2.68% |
| Q2 2026 | $178.3M | $224.2M | 20.37% | 15.44% | 2.79% |
Partners Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12513) · FFIEC NIC profile (RSSD 114149)