State Bank of Newburg: 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): 5.82 percentage points lower than in Q1 2026, at 112.28%. State Bank of Newburg ranks 17th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 109.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Newburg sits 28.24 points higher, at 109.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $283.7M |
| Net loans and leases | $281.4M |
| Loans held for sale | $0 |
| Loans to total assets | 86.48% |
| Loan-to-deposit ratio | 109.08% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.24% |
| Multifamily (5+ residential) | 4.88% |
| Commercial and industrial | 2.08% |
| Consumer | 0.55% |
| Credit cards | 0.15% |
| Farm | 36.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.28% |
| Construction concentration (Tier 1 capital + allowance) | 30.90% |
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 | 7.09% |
| Interest income on loans | $5.0M |
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 | $207.1M | $198.9M | 17.76% | 2.11% | 0.64% |
| Q4 2023 | $219.6M | $206.3M | 16.62% | 2.01% | 0.60% |
| Q1 2024 | $218.4M | $201.1M | 16.49% | 1.91% | 0.64% |
| Q2 2024 | $227.0M | $207.9M | 16.73% | 1.80% | 0.60% |
| Q3 2024 | $239.5M | $223.2M | 17.58% | 1.68% | 0.59% |
| Q4 2024 | $243.2M | $231.2M | 17.37% | 1.75% | 0.56% |
| Q1 2025 | $248.4M | $237.2M | 18.56% | 1.79% | 0.56% |
| Q2 2025 | $260.6M | $237.9M | 18.26% | 1.86% | 0.59% |
| Q3 2025 | $273.2M | $256.0M | 17.15% | 1.77% | 0.57% |
| Q4 2025 | $277.8M | $262.8M | 17.88% | 1.89% | 0.54% |
| Q1 2026 | $274.9M | $259.8M | 18.63% | 2.05% | 0.54% |
| Q2 2026 | $283.7M | $260.1M | 18.24% | 2.08% | 0.55% |
State Bank of Newburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Newburg, 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 of Newburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9529) · FFIEC NIC profile (RSSD 228345)