Premier Community 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.
Cre concentration (tier 1 capital + allowance) dropped 8.31 percentage points in Q2 2026, from 207.60% to 199.28%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Premier Community Bank is 102nd of 153 on loan-to-deposit ratio, 81.15% 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; Premier Community Bank reported 81.15% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $394.9M |
| Net loans and leases | $390.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.52% |
| Loan-to-deposit ratio | 81.15% |
| Net loans to equity capital | 9.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.92% |
| Multifamily (5+ residential) | 7.91% |
| Commercial and industrial | 5.11% |
| Consumer | 1.46% |
| Credit cards | 0.07% |
| Farm | 11.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.28% |
| Construction concentration (Tier 1 capital + allowance) | 24.60% |
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 | 6.37% |
| Interest income on loans | $6.3M |
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 | $343.6M | $420.0M | 29.79% | 6.92% | 2.43% |
| Q4 2023 | $341.6M | $404.9M | 29.38% | 6.65% | 2.38% |
| Q1 2024 | $346.2M | $437.5M | 30.15% | 6.52% | 2.28% |
| Q2 2024 | $355.5M | $451.2M | 30.63% | 5.46% | 2.24% |
| Q3 2024 | $362.6M | $468.5M | 30.02% | 5.84% | 2.13% |
| Q4 2024 | $369.3M | $471.0M | 31.14% | 6.00% | 2.02% |
| Q1 2025 | $374.6M | $485.5M | 31.58% | 5.75% | 1.87% |
| Q2 2025 | $385.3M | $478.7M | 31.32% | 5.52% | 1.81% |
| Q3 2025 | $383.1M | $467.9M | 30.77% | 5.56% | 1.76% |
| Q4 2025 | $378.0M | $484.1M | 30.12% | 5.12% | 1.70% |
| Q1 2026 | $394.1M | $495.4M | 32.50% | 5.06% | 1.55% |
| Q2 2026 | $394.9M | $486.6M | 30.92% | 5.11% | 1.46% |
Premier Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Community 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 Premier Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15799) · FFIEC NIC profile (RSSD 597546)