State Bank Financial: 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 16.54 percentage points in Q2 2026, from 260.67% to 277.21%. It was the largest change from Q1 2026 among the key lines here. State Bank Financial ranks 111th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 79.18% (Q2 2026). At 79.18%, State Bank Financial's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $347.6M |
| Net loans and leases | $344.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.88% |
| Loan-to-deposit ratio | 79.18% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.82% |
| Multifamily (5+ residential) | 13.14% |
| Commercial and industrial | 13.22% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 8.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 277.21% |
| Construction concentration (Tier 1 capital + allowance) | 36.36% |
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 | $5.2M |
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 | $273.3M | $378.4M | 39.06% | 11.05% | 0.89% |
| Q4 2023 | $277.1M | $386.1M | 36.40% | 11.95% | 0.89% |
| Q1 2024 | $279.6M | $392.2M | 35.95% | 11.78% | 1.20% |
| Q2 2024 | $280.4M | $372.1M | 35.32% | 12.14% | 0.72% |
| Q3 2024 | $284.2M | $412.2M | 36.86% | 10.55% | 0.75% |
| Q4 2024 | $292.5M | $376.0M | 36.38% | 10.24% | 0.35% |
| Q1 2025 | $307.5M | $430.1M | 37.02% | 11.42% | 0.41% |
| Q2 2025 | $301.7M | $425.9M | 35.91% | 11.64% | 0.41% |
| Q3 2025 | $325.2M | $439.5M | 37.45% | 11.99% | 0.97% |
| Q4 2025 | $328.7M | $406.7M | 35.53% | 13.15% | 1.37% |
| Q1 2026 | $329.2M | $451.8M | 35.05% | 14.14% | 0.77% |
| Q2 2026 | $347.6M | $439.0M | 35.82% | 13.22% | 1.13% |
State Bank Financial loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Financial, 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 State Bank Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10383) · FFIEC NIC profile (RSSD 2631172)