Prevail 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 dropped 4.78 percentage points in Q2 2026, from 99.23% to 94.44%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Prevail Bank is 53rd of 153 on loan-to-deposit ratio, 94.44% as of Q2 2026. Prevail Bank reported 94.44% on loan-to-deposit ratio for Q2 2026, 6.24 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $743.0M |
| Net loans and leases | $734.2M |
| Loans held for sale | $13K |
| Loans to total assets | 72.27% |
| Loan-to-deposit ratio | 94.44% |
| Net loans to equity capital | 5.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.84% |
| Multifamily (5+ residential) | 18.01% |
| Commercial and industrial | 5.11% |
| Consumer | 1.43% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.96% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.27% |
| Construction concentration (Tier 1 capital + allowance) | 27.63% |
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 | 5.59% |
| Interest income on loans | $10.5M |
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 | $623.6M | $715.8M | 21.39% | 5.49% | 1.88% |
| Q4 2023 | $665.2M | $719.3M | 25.01% | 6.45% | 1.66% |
| Q1 2024 | $652.1M | $681.9M | 24.74% | 6.63% | 1.58% |
| Q2 2024 | $653.6M | $694.1M | 25.25% | 5.91% | 2.20% |
| Q3 2024 | $671.4M | $708.1M | 26.07% | 5.99% | 1.98% |
| Q4 2024 | $677.4M | $743.5M | 28.41% | 5.88% | 1.83% |
| Q1 2025 | $694.8M | $754.8M | 30.98% | 5.61% | 2.34% |
| Q2 2025 | $712.2M | $745.7M | 31.28% | 5.15% | 2.12% |
| Q3 2025 | $719.3M | $740.9M | 32.18% | 5.61% | 1.88% |
| Q4 2025 | $729.7M | $748.2M | 33.41% | 5.88% | 1.69% |
| Q1 2026 | $751.9M | $757.7M | 34.15% | 5.77% | 1.51% |
| Q2 2026 | $743.0M | $786.8M | 33.84% | 5.11% | 1.43% |
Prevail Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prevail 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 Prevail Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29294) · FFIEC NIC profile (RSSD 27070)