Woodtrust 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 36.80 percentage points in Q2 2026, from 271.48% to 234.68%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Woodtrust Bank is 16th from the bottom among 153 Wisconsin banks, 63.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Woodtrust Bank sits 17.37 points lower, at 63.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $381.3M |
| Net loans and leases | $374.7M |
| Loans held for sale | $309K |
| Loans to total assets | 51.89% |
| Loan-to-deposit ratio | 63.47% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.38% |
| Multifamily (5+ residential) | 12.80% |
| Commercial and industrial | 8.87% |
| Consumer | 8.14% |
| Credit cards | 0.45% |
| Farm | 2.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 234.68% |
| Construction concentration (Tier 1 capital + allowance) | 11.64% |
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 | 5.44% |
| Interest income on loans | $5.3M |
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 | $362.9M | $507.0M | 53.54% | 12.26% | 6.91% |
| Q4 2023 | $355.1M | $551.1M | 53.08% | 12.81% | 4.82% |
| Q1 2024 | $362.2M | $536.9M | 53.25% | 12.51% | 5.06% |
| Q2 2024 | $361.4M | $533.1M | 52.96% | 13.45% | 3.79% |
| Q3 2024 | $359.8M | $549.5M | 54.27% | 12.08% | 3.58% |
| Q4 2024 | $351.7M | $556.0M | 52.81% | 12.67% | 3.73% |
| Q1 2025 | $373.9M | $545.6M | 51.68% | 11.72% | 4.49% |
| Q2 2025 | $380.3M | $542.8M | 54.52% | 10.58% | 4.73% |
| Q3 2025 | $399.9M | $579.1M | 50.63% | 11.31% | 8.51% |
| Q4 2025 | $400.2M | $571.2M | 51.19% | 8.63% | 8.16% |
| Q1 2026 | $393.4M | $574.4M | 51.50% | 9.12% | 7.40% |
| Q2 2026 | $381.3M | $600.7M | 52.38% | 8.87% | 8.14% |
Woodtrust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodtrust 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 Woodtrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5335) · FFIEC NIC profile (RSSD 833749)