Superior Savings 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.
Cre concentration (tier 1 capital + allowance) dropped 9.03 percentage points in Q2 2026, from 54.39% to 45.35%. It was the largest change from Q1 2026 among the key lines here. Superior Savings Bank ranks 29th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 102.26% (Q2 2026). Superior Savings Bank's loan-to-deposit ratio of 102.26% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 34.63 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.3M |
| Net loans and leases | $81.5M |
| Loans held for sale | $0 |
| Loans to total assets | 84.32% |
| Loan-to-deposit ratio | 102.26% |
| Net loans to equity capital | 4.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.39% |
| Multifamily (5+ residential) | 3.08% |
| Commercial and industrial | 6.42% |
| Consumer | 3.07% |
| 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) | 45.35% |
| Construction concentration (Tier 1 capital + allowance) | 9.42% |
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 | 5.43% |
| Interest income on loans | $1.2M |
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 | $64.9M | $69.9M | 14.71% | 3.30% | 4.35% |
| Q4 2023 | $67.2M | $73.2M | 14.52% | 4.80% | 4.12% |
| Q1 2024 | $70.0M | $70.2M | 13.74% | 5.67% | 3.83% |
| Q2 2024 | $70.3M | $70.2M | 14.95% | 5.54% | 3.80% |
| Q3 2024 | $73.1M | $69.9M | 16.69% | 5.38% | 3.35% |
| Q4 2024 | $75.1M | $69.2M | 15.99% | 5.11% | 3.07% |
| Q1 2025 | $76.0M | $67.5M | 15.44% | 6.07% | 2.81% |
| Q2 2025 | $75.9M | $68.2M | 15.23% | 4.65% | 3.01% |
| Q3 2025 | $76.3M | $74.3M | 12.45% | 4.57% | 3.28% |
| Q4 2025 | $81.1M | $77.1M | 10.47% | 6.46% | 3.37% |
| Q1 2026 | $82.4M | $76.9M | 11.80% | 6.45% | 3.27% |
| Q2 2026 | $83.3M | $81.4M | 9.39% | 6.42% | 3.07% |
Superior Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior Savings 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 Superior Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28790) · FFIEC NIC profile (RSSD 575375)