Security Financial 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 10.44 percentage points in Q2 2026, from 58.05% to 68.49%. It was the largest change from Q1 2026 among the key lines here. Security Financial Bank ranks 64th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 91.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Security Financial Bank sits 3.40 points higher, at 91.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $758.0M |
| Net loans and leases | $747.1M |
| Loans held for sale | $0 |
| Loans to total assets | 72.83% |
| Loan-to-deposit ratio | 91.60% |
| Net loans to equity capital | 7.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.22% |
| Multifamily (5+ residential) | 4.37% |
| Commercial and industrial | 17.87% |
| Consumer | 0.56% |
| Credit cards | 0.00% |
| Farm | 18.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.67% |
| Construction concentration (Tier 1 capital + allowance) | 68.49% |
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 | — |
| Interest income on loans | $12.3M |
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 | $581.9M | $735.2M | 21.56% | 19.76% | 0.10% |
| Q4 2023 | $619.3M | $736.5M | 22.89% | 20.21% | 0.08% |
| Q1 2024 | $637.7M | $744.3M | 25.29% | 19.64% | 0.06% |
| Q2 2024 | $653.7M | $729.6M | 25.90% | 19.93% | 0.05% |
| Q3 2024 | $660.8M | $764.7M | 26.23% | 19.77% | 0.04% |
| Q4 2024 | $669.3M | $781.6M | 25.76% | 19.36% | 0.04% |
| Q1 2025 | $684.9M | $801.3M | 26.35% | 19.22% | 0.79% |
| Q2 2025 | $701.3M | $806.8M | 26.33% | 19.11% | 0.71% |
| Q3 2025 | $711.3M | $809.2M | 25.65% | 17.69% | 0.67% |
| Q4 2025 | $735.2M | $837.8M | 25.46% | 18.09% | 0.69% |
| Q1 2026 | $743.0M | $822.7M | 24.95% | 18.22% | 0.59% |
| Q2 2026 | $758.0M | $827.5M | 24.22% | 17.87% | 0.56% |
Security Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14222) · FFIEC NIC profile (RSSD 450959)