Tri City National 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 8.22 percentage points in Q2 2026, from 335.31% to 327.08%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Tri City National Bank is 132nd of 153 on loan-to-deposit ratio, 66.67% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Tri City National Bank sits 21.53 points lower, at 66.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.17B |
| Net loans and leases | $1.15B |
| Loans held for sale | $0 |
| Loans to total assets | 59.70% |
| Loan-to-deposit ratio | 66.67% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.71% |
| Multifamily (5+ residential) | 22.59% |
| Commercial and industrial | 1.39% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 327.08% |
| Construction concentration (Tier 1 capital + allowance) | 21.92% |
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 | 5.65% |
| Interest income on loans | $16.4M |
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 | $1.19B | $1.70B | 56.31% | 2.35% | 0.30% |
| Q4 2023 | $1.17B | $1.77B | 55.72% | 2.28% | 0.37% |
| Q1 2024 | $1.16B | $1.71B | 55.20% | 2.24% | 0.35% |
| Q2 2024 | $1.18B | $1.66B | 55.17% | 2.17% | 0.36% |
| Q3 2024 | $1.18B | $1.65B | 54.65% | 2.14% | 0.39% |
| Q4 2024 | $1.18B | $1.74B | 54.80% | 2.00% | 0.46% |
| Q1 2025 | $1.17B | $1.67B | 54.54% | 2.00% | 0.53% |
| Q2 2025 | $1.16B | $1.67B | 53.68% | 1.57% | 0.61% |
| Q3 2025 | $1.15B | $1.74B | 52.93% | 1.33% | 0.79% |
| Q4 2025 | $1.17B | $1.81B | 52.38% | 1.32% | 0.78% |
| Q1 2026 | $1.18B | $1.77B | 52.67% | 1.33% | 0.82% |
| Q2 2026 | $1.17B | $1.75B | 52.71% | 1.39% | 1.02% |
Tri City National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri City National 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 Tri City National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18922) · FFIEC NIC profile (RSSD 242444)