Peshtigo National 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 climbed 3.90 percentage points in Q2 2026, from 76.56% to 80.46%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Peshtigo National Bank is 103rd of 153 on loan-to-deposit ratio, 80.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Peshtigo National Bank reported 80.46% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.8M |
| Net loans and leases | $199.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.29% |
| Loan-to-deposit ratio | 80.46% |
| Net loans to equity capital | 9.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.13% |
| Consumer | 2.74% |
| Credit cards | 0.00% |
| Farm | 23.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.21% |
| Construction concentration (Tier 1 capital + allowance) | 4.99% |
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 | 5.95% |
| Interest income on loans | $3.0M |
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 | $160.6M | $229.7M | 21.84% | 7.86% | 2.06% |
| Q4 2023 | $164.6M | $231.3M | 20.97% | 7.10% | 2.12% |
| Q1 2024 | $164.4M | $230.6M | 20.91% | 7.02% | 2.77% |
| Q2 2024 | $170.0M | $229.4M | 19.93% | 6.77% | 2.89% |
| Q3 2024 | $173.0M | $234.1M | 19.63% | 6.36% | 2.84% |
| Q4 2024 | $172.8M | $243.6M | 19.03% | 5.90% | 2.91% |
| Q1 2025 | $176.1M | $249.2M | 20.66% | 6.20% | 2.72% |
| Q2 2025 | $179.8M | $248.8M | 20.99% | 6.10% | 2.91% |
| Q3 2025 | $184.7M | $257.3M | 20.32% | 5.46% | 2.85% |
| Q4 2025 | $186.6M | $260.3M | 19.71% | 5.67% | 2.87% |
| Q1 2026 | $196.8M | $257.1M | 21.67% | 6.44% | 2.82% |
| Q2 2026 | $201.8M | $250.8M | 20.67% | 6.13% | 2.74% |
Peshtigo National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peshtigo National 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 Peshtigo National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5317) · FFIEC NIC profile (RSSD 257345)