Royal 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) climbed 12.95 percentage points in Q2 2026, from 94.17% to 107.12%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Royal Bank is 114th of 153 on loan-to-deposit ratio, 77.98% 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. Royal Bank sits 2.86 points lower, at 77.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $563.8M |
| Net loans and leases | $555.4M |
| Loans held for sale | $1.8M |
| Loans to total assets | 69.09% |
| Loan-to-deposit ratio | 77.98% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.53% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 6.62% |
| Consumer | 2.36% |
| Credit cards | 0.07% |
| Farm | 26.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.12% |
| Construction concentration (Tier 1 capital + allowance) | 13.11% |
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 | 6.45% |
| Interest income on loans | $8.9M |
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 | $492.2M | $635.0M | 18.72% | 8.81% | 4.04% |
| Q4 2023 | $492.2M | $654.3M | 18.87% | 8.64% | 3.89% |
| Q1 2024 | $484.3M | $651.1M | 19.36% | 8.64% | 3.80% |
| Q2 2024 | $490.6M | $655.6M | 18.43% | 8.44% | 3.65% |
| Q3 2024 | $496.2M | $656.2M | 18.24% | 7.81% | 3.51% |
| Q4 2024 | $507.8M | $682.2M | 18.89% | 7.58% | 3.14% |
| Q1 2025 | $506.1M | $673.8M | 19.36% | 7.80% | 3.30% |
| Q2 2025 | $524.4M | $683.8M | 20.80% | 6.83% | 2.83% |
| Q3 2025 | $533.1M | $686.0M | 20.78% | 6.59% | 2.78% |
| Q4 2025 | $551.2M | $708.3M | 20.82% | 6.96% | 2.60% |
| Q1 2026 | $551.6M | $716.5M | 21.36% | 6.92% | 2.53% |
| Q2 2026 | $563.8M | $723.1M | 21.53% | 6.62% | 2.36% |
Royal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Royal 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 Royal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13454) · FFIEC NIC profile (RSSD 532042)