West Pointe 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 Construction concentration (Tier 1 capital + allowance): 6.73 percentage points lower than in Q1 2026, at 15.89%. Among 153 Wisconsin banks, West Pointe Bank sits 7th from the top on loan-to-deposit ratio, 119.37% as of Q2 2026. West Pointe Bank reported 119.37% on loan-to-deposit ratio for Q2 2026, 38.82 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $310.6M |
| Net loans and leases | $301.7M |
| Loans held for sale | $0 |
| Loans to total assets | 84.23% |
| Loan-to-deposit ratio | 119.37% |
| Net loans to equity capital | 4.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.97% |
| Multifamily (5+ residential) | 11.53% |
| Commercial and industrial | 15.89% |
| Consumer | 0.08% |
| 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) | 130.76% |
| Construction concentration (Tier 1 capital + allowance) | 15.89% |
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 | 6.72% |
| Interest income on loans | $5.2M |
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 | $299.5M | $235.1M | 39.98% | 16.14% | 0.06% |
| Q4 2023 | $299.2M | $248.2M | 40.92% | 16.20% | 0.06% |
| Q1 2024 | $289.9M | $249.6M | 37.87% | 16.89% | 0.06% |
| Q2 2024 | $296.2M | $248.1M | 38.13% | 16.70% | 0.07% |
| Q3 2024 | $294.0M | $256.0M | 37.92% | 16.99% | 0.07% |
| Q4 2024 | $291.2M | $252.5M | 37.01% | 17.52% | 0.07% |
| Q1 2025 | $304.6M | $265.1M | 36.85% | 16.49% | 0.08% |
| Q2 2025 | $315.6M | $263.8M | 36.63% | 14.97% | 0.09% |
| Q3 2025 | $310.8M | $257.4M | 35.42% | 14.10% | 0.08% |
| Q4 2025 | $319.2M | $261.1M | 33.42% | 15.68% | 0.08% |
| Q1 2026 | $309.0M | $266.0M | 31.94% | 16.77% | 0.08% |
| Q2 2026 | $310.6M | $260.2M | 33.97% | 15.89% | 0.08% |
West Pointe Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Pointe 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 West Pointe Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34162) · FFIEC NIC profile (RSSD 2371816)