Alden 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 Loan-to-deposit ratio: 2.17 percentage points lower than in Q1 2026, at 70.89%. Alden State Bank ranks 53rd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 70.89% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Alden State Bank sits 9.67 points lower, at 70.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $196.0M |
| Net loans and leases | $191.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.54% |
| Loan-to-deposit ratio | 70.89% |
| Net loans to equity capital | 4.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.32% |
| Multifamily (5+ residential) | 1.17% |
| Commercial and industrial | 13.65% |
| Consumer | 3.47% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.84% |
| Construction concentration (Tier 1 capital + allowance) | 47.46% |
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 | 6.47% |
| Interest income on loans | $3.2M |
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 | $152.7M | $256.2M | 22.14% | 14.89% | 4.09% |
| Q4 2023 | $160.0M | $240.2M | 21.54% | 14.83% | 3.70% |
| Q1 2024 | $170.3M | $244.1M | 20.54% | 17.17% | 3.50% |
| Q2 2024 | $172.8M | $271.5M | 19.84% | 16.79% | 3.67% |
| Q3 2024 | $175.3M | $284.5M | 19.38% | 7.76% | 3.69% |
| Q4 2024 | $180.6M | $270.7M | 17.39% | 8.38% | 3.75% |
| Q1 2025 | $181.9M | $281.2M | 16.79% | 9.54% | 3.53% |
| Q2 2025 | $190.3M | $280.7M | 15.88% | 11.25% | 3.68% |
| Q3 2025 | $189.4M | $295.5M | 14.88% | 12.03% | 4.06% |
| Q4 2025 | $195.6M | $273.6M | 14.35% | 12.88% | 3.73% |
| Q1 2026 | $201.8M | $276.3M | 14.12% | 12.91% | 3.50% |
| Q2 2026 | $196.0M | $276.4M | 14.32% | 13.65% | 3.47% |
Alden State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alden 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 Alden State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17622) · FFIEC NIC profile (RSSD 388744)