Security State 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 15.70 percentage points in Q2 2026, from 41.40% to 57.09%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Security State Bank is 84th of 153 on loan-to-deposit ratio, 87.14% as of Q2 2026. Security State Bank reported 87.14% on loan-to-deposit ratio for Q2 2026, 6.59 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.7M |
| Net loans and leases | $90.0M |
| Loans held for sale | $0 |
| Loans to total assets | 67.28% |
| Loan-to-deposit ratio | 87.14% |
| Net loans to equity capital | 3.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.93% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 24.00% |
| Consumer | 2.51% |
| Credit cards | 0.03% |
| Farm | 2.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.09% |
| Construction concentration (Tier 1 capital + allowance) | 8.34% |
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 | 7.04% |
| Interest income on loans | $1.5M |
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 | $62.9M | $95.9M | 25.11% | 31.88% | 1.85% |
| Q4 2023 | $71.0M | $95.3M | 31.27% | 28.69% | 1.57% |
| Q1 2024 | $68.8M | $93.6M | 31.04% | 26.09% | 1.57% |
| Q2 2024 | $71.1M | $94.3M | 33.17% | 22.88% | 1.63% |
| Q3 2024 | $72.2M | $97.6M | 33.40% | 19.32% | 1.53% |
| Q4 2024 | $74.8M | $97.9M | 31.53% | 16.86% | 1.42% |
| Q1 2025 | $75.8M | $110.8M | 29.91% | 16.82% | 3.15% |
| Q2 2025 | $84.2M | $108.2M | 25.55% | 23.18% | 2.84% |
| Q3 2025 | $82.1M | $110.3M | 24.63% | 21.95% | 3.07% |
| Q4 2025 | $85.2M | $109.0M | 23.92% | 22.46% | 2.80% |
| Q1 2026 | $79.3M | $110.1M | 21.37% | 21.54% | 3.00% |
| Q2 2026 | $91.7M | $105.2M | 26.93% | 24.00% | 2.51% |
Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9036) · FFIEC NIC profile (RSSD 43052)