State Bank of Reeseville: 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 5.15 percentage points in Q2 2026, from 7.04% to 12.18%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, State Bank of Reeseville is 134th of 153 on loan-to-deposit ratio, 66.47% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Reeseville sits 14.37 points lower, at 66.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $92.8M |
| Net loans and leases | $92.3M |
| Loans held for sale | $0 |
| Loans to total assets | 54.75% |
| Loan-to-deposit ratio | 66.47% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.74% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 30.08% |
| Consumer | 3.00% |
| Credit cards | 0.00% |
| Farm | 29.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.01% |
| Construction concentration (Tier 1 capital + allowance) | 12.18% |
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 | $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 | $66.6M | $85.4M | 6.23% | 21.62% | 3.29% |
| Q4 2023 | $67.9M | $115.8M | 5.89% | 23.31% | 3.36% |
| Q1 2024 | $66.6M | $114.9M | 5.80% | 22.35% | 3.51% |
| Q2 2024 | $69.0M | $101.3M | 5.03% | 24.01% | 3.67% |
| Q3 2024 | $73.2M | $120.1M | 4.56% | 26.55% | 3.82% |
| Q4 2024 | $74.5M | $123.4M | 4.38% | 26.96% | 3.58% |
| Q1 2025 | $74.7M | $123.4M | 4.21% | 26.84% | 3.42% |
| Q2 2025 | $73.9M | $124.3M | 4.07% | 24.55% | 3.52% |
| Q3 2025 | $79.1M | $132.9M | 3.84% | 23.40% | 3.51% |
| Q4 2025 | $80.1M | $133.5M | 5.70% | 24.58% | 3.54% |
| Q1 2026 | $82.9M | $132.5M | 5.55% | 25.13% | 3.30% |
| Q2 2026 | $92.8M | $139.6M | 4.74% | 30.08% | 3.00% |
State Bank of Reeseville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Reeseville, 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 Reeseville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14960) · FFIEC NIC profile (RSSD 159645)