The Pineries 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.
Construction concentration (Tier 1 capital + allowance) climbed 6.76 percentage points in Q2 2026, from 21.16% to 27.92%. It was the largest change from Q1 2026 among the key lines here. The Pineries Bank ranks 117th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 76.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. The Pineries Bank sits 3.91 points lower, at 76.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $100.0M |
| Net loans and leases | $99.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.07% |
| Loan-to-deposit ratio | 76.65% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.95% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 1.87% |
| Consumer | 3.57% |
| Credit cards | 0.20% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.00% |
| Construction concentration (Tier 1 capital + allowance) | 27.92% |
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 | 5.64% |
| Interest income on loans | $1.4M |
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 | $79.2M | $119.9M | 17.22% | 1.71% | 4.45% |
| Q4 2023 | $80.8M | $118.9M | 16.39% | 1.87% | 4.89% |
| Q1 2024 | $81.9M | $119.5M | 17.76% | 2.94% | 4.84% |
| Q2 2024 | $81.6M | $121.0M | 17.66% | 2.77% | 4.56% |
| Q3 2024 | $86.3M | $122.7M | 18.00% | 2.62% | 4.55% |
| Q4 2024 | $89.1M | $126.0M | 17.83% | 2.44% | 4.35% |
| Q1 2025 | $88.9M | $125.0M | 17.51% | 2.33% | 4.35% |
| Q2 2025 | $89.0M | $127.7M | 17.37% | 2.12% | 4.31% |
| Q3 2025 | $91.2M | $128.9M | 17.54% | 2.11% | 4.05% |
| Q4 2025 | $94.9M | $131.3M | 16.95% | 2.08% | 4.20% |
| Q1 2026 | $97.1M | $131.3M | 16.59% | 1.94% | 3.80% |
| Q2 2026 | $100.0M | $130.5M | 15.95% | 1.87% | 3.57% |
The Pineries Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pineries 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 Pineries Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9526) · FFIEC NIC profile (RSSD 674344)