Wolf River Community 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.
Construction concentration (tier 1 capital + allowance) climbed 12.63 percentage points in Q2 2026, from 43.48% to 56.11%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Wolf River Community Bank is 19th of 153 on loan-to-deposit ratio, 107.16% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wolf River Community Bank sits 26.32 points higher, at 107.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $318.8M |
| Net loans and leases | $313.5M |
| Loans held for sale | $0 |
| Loans to total assets | 82.65% |
| Loan-to-deposit ratio | 107.16% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.91% |
| Multifamily (5+ residential) | 2.29% |
| Commercial and industrial | 6.96% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 0.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.11% |
| Construction concentration (Tier 1 capital + allowance) | 56.11% |
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 | 6.53% |
| Interest income on loans | $5.1M |
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 | $216.4M | $247.6M | 38.63% | 7.92% | 1.71% |
| Q4 2023 | $229.9M | $257.9M | 38.11% | 8.30% | 1.88% |
| Q1 2024 | $237.5M | $264.9M | 38.16% | 8.44% | 1.93% |
| Q2 2024 | $244.2M | $262.9M | 38.04% | 8.33% | 2.13% |
| Q3 2024 | $253.7M | $264.8M | 38.36% | 7.32% | 1.91% |
| Q4 2024 | $264.6M | $280.4M | 42.18% | 6.75% | 1.92% |
| Q1 2025 | $264.4M | $287.3M | 40.99% | 7.26% | 2.00% |
| Q2 2025 | $271.5M | $289.8M | 39.34% | 8.34% | 2.01% |
| Q3 2025 | $284.8M | $294.2M | 40.70% | 7.14% | 1.65% |
| Q4 2025 | $296.7M | $317.2M | 39.75% | 6.63% | 1.56% |
| Q1 2026 | $305.5M | $307.4M | 41.90% | 6.37% | 1.42% |
| Q2 2026 | $318.8M | $297.6M | 40.91% | 6.96% | 1.23% |
Wolf River Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wolf River Community 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 Wolf River Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34240) · FFIEC NIC profile (RSSD 2505424)