Security 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.98 percentage points lower than in Q1 2026, at 21.41%. Within Wisconsin, Security Bank is 23rd of 153 on loan-to-deposit ratio, 105.04% as of Q2 2026. Security Bank reported 105.04% on loan-to-deposit ratio for Q2 2026, 24.48 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $227.3M |
| Net loans and leases | $225.3M |
| Loans held for sale | $0 |
| Loans to total assets | 89.53% |
| Loan-to-deposit ratio | 105.04% |
| Net loans to equity capital | 7.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.56% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 7.24% |
| Consumer | 1.24% |
| Credit cards | 0.02% |
| Farm | 15.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.41% |
| Construction concentration (Tier 1 capital + allowance) | 17.95% |
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 | 6.96% |
| Interest income on loans | $3.8M |
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 | $148.4M | $139.2M | 35.76% | 10.51% | 1.99% |
| Q4 2023 | $156.4M | $152.4M | 37.72% | 9.77% | 1.73% |
| Q1 2024 | $159.2M | $157.3M | 37.18% | 9.95% | 1.70% |
| Q2 2024 | $167.8M | $162.5M | 38.76% | 9.20% | 1.63% |
| Q3 2024 | $180.0M | $173.0M | 40.17% | 8.51% | 1.54% |
| Q4 2024 | $185.7M | $182.4M | 39.55% | 8.65% | 1.45% |
| Q1 2025 | $192.1M | $195.7M | 42.54% | 7.53% | 1.39% |
| Q2 2025 | $197.0M | $195.8M | 42.30% | 7.11% | 1.32% |
| Q3 2025 | $199.5M | $196.3M | 41.85% | 6.72% | 1.31% |
| Q4 2025 | $207.2M | $196.2M | 43.64% | 6.57% | 1.41% |
| Q1 2026 | $213.3M | $204.6M | 43.11% | 6.77% | 1.30% |
| Q2 2026 | $227.3M | $216.4M | 43.56% | 7.24% | 1.24% |
Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10015) · FFIEC NIC profile (RSSD 20053)