1st 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): 4.15 percentage points higher than in Q1 2026, at 119.68%. 1st State Bank ranks 47th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 75.43% (Q2 2026). 1st State Bank reported 75.43% on loan-to-deposit ratio for Q2 2026, 5.40 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $323.4M |
| Net loans and leases | $318.3M |
| Loans held for sale | $1.2M |
| Loans to total assets | 66.00% |
| Loan-to-deposit ratio | 75.43% |
| Net loans to equity capital | 5.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.73% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 33.20% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.68% |
| Construction concentration (Tier 1 capital + allowance) | 27.41% |
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 | 6.68% |
| Interest income on loans | $5.4M |
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 | $283.1M | $428.6M | 41.64% | 38.90% | 0.13% |
| Q4 2023 | $279.4M | $428.8M | 42.02% | 37.87% | 0.13% |
| Q1 2024 | $275.2M | $421.7M | 40.43% | 38.52% | 0.14% |
| Q2 2024 | $284.5M | $427.9M | 38.84% | 39.98% | 0.21% |
| Q3 2024 | $283.9M | $408.7M | 45.69% | 36.28% | 0.11% |
| Q4 2024 | $284.1M | $398.1M | 45.67% | 36.13% | 0.11% |
| Q1 2025 | $298.7M | $394.1M | 45.58% | 35.37% | 0.09% |
| Q2 2025 | $319.7M | $391.3M | 47.42% | 33.06% | 0.09% |
| Q3 2025 | $317.0M | $399.1M | 47.51% | 33.35% | 0.14% |
| Q4 2025 | $318.7M | $420.0M | 47.99% | 31.93% | 0.10% |
| Q1 2026 | $316.9M | $424.9M | 47.83% | 32.68% | 0.08% |
| Q2 2026 | $323.4M | $428.8M | 46.73% | 33.20% | 0.08% |
1st State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st 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 1st State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)