Spring 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): 5.55 percentage points higher than in Q1 2026, at 261.15%. Among 153 Wisconsin banks, Spring Bank sits 13th from the top on loan-to-deposit ratio, 111.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Spring Bank sits 30.58 points higher, at 111.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.3M |
| Net loans and leases | $364.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.79% |
| Loan-to-deposit ratio | 111.13% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.31% |
| Multifamily (5+ residential) | 2.32% |
| Commercial and industrial | 18.92% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.15% |
| Construction concentration (Tier 1 capital + allowance) | 95.08% |
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 | 6.86% |
| Interest income on loans | $6.4M |
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 | $289.1M | $290.3M | 49.62% | 21.38% | 0.01% |
| Q4 2023 | $285.0M | $271.1M | 49.52% | 20.22% | 0.01% |
| Q1 2024 | $290.2M | $277.1M | 49.93% | 20.43% | 0.01% |
| Q2 2024 | $303.4M | $281.6M | 47.22% | 20.31% | 0.01% |
| Q3 2024 | $301.5M | $284.2M | 47.90% | 19.71% | 0.01% |
| Q4 2024 | $317.9M | $286.5M | 47.18% | 19.34% | 0.01% |
| Q1 2025 | $332.3M | $296.8M | 51.53% | 17.78% | 0.01% |
| Q2 2025 | $355.7M | $316.8M | 52.37% | 16.91% | 0.00% |
| Q3 2025 | $357.1M | $327.3M | 50.20% | 17.97% | 0.00% |
| Q4 2025 | $371.7M | $320.9M | 50.77% | 19.24% | 0.00% |
| Q1 2026 | $371.3M | $329.3M | 51.12% | 18.41% | 0.00% |
| Q2 2026 | $369.3M | $332.3M | 50.31% | 18.92% | 0.00% |
Spring Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58780) · FFIEC NIC profile (RSSD 3721605)