Town Bank, N.A.: 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 11.26 percentage points in Q2 2026, from 164.33% to 153.07%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Town Bank, N.A. is 62nd of 153 on loan-to-deposit ratio, 92.18% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Town Bank, N.A. sits 3.97 points higher, at 92.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.52B |
| Net loans and leases | $3.50B |
| Loans held for sale | $0 |
| Loans to total assets | 74.66% |
| Loan-to-deposit ratio | 92.18% |
| Net loans to equity capital | 7.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.87% |
| Multifamily (5+ residential) | 6.84% |
| Commercial and industrial | 36.95% |
| Consumer | 17.60% |
| Credit cards | 0.00% |
| Farm | 0.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.07% |
| Construction concentration (Tier 1 capital + allowance) | 36.02% |
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 | $45.8M |
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 | $2.65B | $3.06B | 10.98% | 38.96% | 24.95% |
| Q4 2023 | $2.65B | $3.09B | 11.17% | 39.97% | 22.57% |
| Q1 2024 | $2.80B | $3.35B | 11.06% | 41.31% | 21.11% |
| Q2 2024 | $2.83B | $3.39B | 11.88% | 38.11% | 22.51% |
| Q3 2024 | $3.00B | $3.41B | 10.97% | 41.21% | 20.62% |
| Q4 2024 | $3.04B | $3.46B | 11.42% | 39.39% | 21.24% |
| Q1 2025 | $3.15B | $3.51B | 12.11% | 38.90% | 19.23% |
| Q2 2025 | $3.31B | $3.66B | 12.94% | 39.16% | 17.53% |
| Q3 2025 | $3.35B | $3.80B | 12.48% | 37.79% | 16.64% |
| Q4 2025 | $3.32B | $3.71B | 13.08% | 35.19% | 17.88% |
| Q1 2026 | $3.39B | $3.72B | 13.99% | 36.39% | 17.08% |
| Q2 2026 | $3.52B | $3.81B | 12.87% | 36.95% | 17.60% |
Town Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34717) · FFIEC NIC profile (RSSD 2693264)