Waumandee 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 83.89 percentage points lower than in Q1 2026, at 103.05%. Waumandee State Bank ranks 95th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 84.21% (Q2 2026). Waumandee State Bank reported 84.21% on loan-to-deposit ratio for Q2 2026, 3.38 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $253.6M |
| Net loans and leases | $250.7M |
| Loans held for sale | $35K |
| Loans to total assets | 73.41% |
| Loan-to-deposit ratio | 84.21% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.02% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 9.23% |
| Consumer | 3.05% |
| Credit cards | 0.14% |
| Farm | 13.36% |
| Loans to depository institutions | 8.28% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.05% |
| Construction concentration (Tier 1 capital + allowance) | 25.76% |
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 | 6.87% |
| Interest income on loans | $4.3M |
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 | $241.4M | $275.4M | 25.99% | 17.44% | 2.29% |
| Q4 2023 | $247.9M | $279.9M | 25.37% | 17.57% | 2.15% |
| Q1 2024 | $252.4M | $272.2M | 25.53% | 17.67% | 2.37% |
| Q2 2024 | $253.2M | $275.6M | 24.98% | 17.05% | 2.73% |
| Q3 2024 | $255.2M | $276.5M | 25.18% | 16.10% | 2.83% |
| Q4 2024 | $258.9M | $281.5M | 24.25% | 15.91% | 2.77% |
| Q1 2025 | $257.0M | $288.1M | 24.27% | 14.69% | 2.64% |
| Q2 2025 | $261.2M | $289.2M | 22.82% | 14.28% | 2.51% |
| Q3 2025 | $264.7M | $289.5M | 21.81% | 12.24% | 2.46% |
| Q4 2025 | $261.7M | $300.3M | 20.42% | 10.96% | 2.39% |
| Q1 2026 | $247.8M | $303.5M | 21.43% | 9.94% | 2.93% |
| Q2 2026 | $253.6M | $301.2M | 19.02% | 9.23% | 3.05% |
Waumandee State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Waumandee 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 Waumandee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10384) · FFIEC NIC profile (RSSD 780955)