The Stephenson National Bank and Trust: 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): 4.69 percentage points lower than in Q1 2026, at 210.18%. The Stephenson National Bank and Trust ranks 92nd of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 84.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Stephenson National Bank and Trust sits 4.07 points higher, at 84.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $499.3M |
| Net loans and leases | $492.1M |
| Loans held for sale | $500K |
| Loans to total assets | 73.77% |
| Loan-to-deposit ratio | 84.91% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.84% |
| Multifamily (5+ residential) | 3.14% |
| Commercial and industrial | 10.92% |
| Consumer | 9.55% |
| Credit cards | 0.11% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.18% |
| Construction concentration (Tier 1 capital + allowance) | 32.73% |
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 | 6.32% |
| Interest income on loans | $8.0M |
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 | $474.2M | $556.2M | 38.71% | 15.50% | 10.72% |
| Q4 2023 | $478.5M | $552.9M | 39.36% | 14.40% | 10.87% |
| Q1 2024 | $479.1M | $599.9M | 39.36% | 15.33% | 10.82% |
| Q2 2024 | $474.5M | $569.0M | 39.67% | 15.14% | 10.23% |
| Q3 2024 | $475.8M | $570.1M | 40.18% | 14.19% | 10.14% |
| Q4 2024 | $478.2M | $575.8M | 40.95% | 12.99% | 9.94% |
| Q1 2025 | $488.6M | $582.4M | 41.51% | 12.83% | 9.58% |
| Q2 2025 | $501.0M | $592.5M | 42.25% | 12.67% | 9.33% |
| Q3 2025 | $504.7M | $594.5M | 42.56% | 11.81% | 9.50% |
| Q4 2025 | $518.4M | $589.9M | 42.66% | 11.13% | 9.42% |
| Q1 2026 | $510.9M | $596.0M | 43.88% | 11.03% | 9.31% |
| Q2 2026 | $499.3M | $588.0M | 42.84% | 10.92% | 9.55% |
The Stephenson National Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Stephenson National Bank and Trust, 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 The Stephenson National Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5306) · FFIEC NIC profile (RSSD 598048)