The Port Washington State 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 1.23 percentage points in Q2 2026, from 73.52% to 74.76%. It was the largest change from Q1 2026 among the key lines here. The Port Washington State Bank ranks 130th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 70.67% (Q2 2026). The Port Washington State Bank reported 70.67% on loan-to-deposit ratio for Q2 2026, 17.53 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $655.0M |
| Net loans and leases | $648.7M |
| Loans held for sale | $3.0M |
| Loans to total assets | 64.87% |
| Loan-to-deposit ratio | 70.67% |
| Net loans to equity capital | 8.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.03% |
| Multifamily (5+ residential) | 11.59% |
| Commercial and industrial | 12.40% |
| Consumer | 1.82% |
| Credit cards | 0.46% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.87% |
| Construction concentration (Tier 1 capital + allowance) | 74.76% |
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 | 6.30% |
| Interest income on loans | $10.2M |
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 | $564.0M | $799.5M | 38.15% | 8.05% | 3.67% |
| Q4 2023 | $577.6M | $861.4M | 37.24% | 9.52% | 3.54% |
| Q1 2024 | $571.6M | $823.7M | 37.16% | 9.79% | 3.41% |
| Q2 2024 | $575.7M | $819.4M | 37.03% | 10.39% | 3.26% |
| Q3 2024 | $588.0M | $818.8M | 36.28% | 10.28% | 3.01% |
| Q4 2024 | $603.8M | $872.6M | 34.63% | 12.04% | 2.78% |
| Q1 2025 | $600.5M | $872.6M | 34.27% | 13.17% | 2.65% |
| Q2 2025 | $608.1M | $853.3M | 34.95% | 13.23% | 2.51% |
| Q3 2025 | $623.6M | $874.4M | 34.91% | 13.15% | 2.36% |
| Q4 2025 | $636.8M | $953.7M | 34.74% | 11.97% | 2.15% |
| Q1 2026 | $645.0M | $922.9M | 34.10% | 12.66% | 1.93% |
| Q2 2026 | $655.0M | $926.9M | 34.03% | 12.40% | 1.82% |
The Port Washington State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Washington State 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 Port Washington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8698) · FFIEC NIC profile (RSSD 937740)