Waukesha State 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 17.39 percentage points in Q2 2026, from 225.41% to 208.03%. It was the largest change from Q1 2026 among the key lines here. Waukesha State Bank ranks 55th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 94.04% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Waukesha State Bank sits 5.84 points higher, at 94.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.20B |
| Loans held for sale | $14.7M |
| Loans to total assets | 74.59% |
| Loan-to-deposit ratio | 94.04% |
| Net loans to equity capital | 6.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.07% |
| Multifamily (5+ residential) | 10.74% |
| Commercial and industrial | 9.19% |
| Consumer | 0.64% |
| Credit cards | 0.52% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.03% |
| Construction concentration (Tier 1 capital + allowance) | 100.87% |
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 | 6.21% |
| Interest income on loans | $19.0M |
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 | $1.03B | $1.21B | 24.42% | 9.76% | 0.79% |
| Q4 2023 | $1.03B | $1.22B | 25.73% | 9.49% | 0.78% |
| Q1 2024 | $1.04B | $1.22B | 25.53% | 8.46% | 0.72% |
| Q2 2024 | $1.06B | $1.18B | 25.99% | 8.40% | 0.72% |
| Q3 2024 | $1.08B | $1.22B | 25.15% | 7.90% | 0.71% |
| Q4 2024 | $1.11B | $1.20B | 25.47% | 7.73% | 0.68% |
| Q1 2025 | $1.13B | $1.24B | 24.62% | 8.46% | 0.65% |
| Q2 2025 | $1.13B | $1.26B | 23.81% | 8.40% | 0.62% |
| Q3 2025 | $1.15B | $1.27B | 23.13% | 7.92% | 0.61% |
| Q4 2025 | $1.19B | $1.26B | 22.29% | 7.79% | 0.68% |
| Q1 2026 | $1.22B | $1.27B | 22.31% | 9.11% | 0.61% |
| Q2 2026 | $1.21B | $1.29B | 22.07% | 9.19% | 0.64% |
Waukesha State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukesha State 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 Waukesha State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16160) · FFIEC NIC profile (RSSD 290249)