Bank Michigan: 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): 12.27 percentage points lower than in Q1 2026, at 284.40%. Within Michigan, Bank Michigan is 11th of 72 on loan-to-deposit ratio, 98.90% 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. Bank Michigan sits 18.06 points higher, at 98.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.3M |
| Net loans and leases | $141.6M |
| Loans held for sale | $172K |
| Loans to total assets | 81.43% |
| Loan-to-deposit ratio | 98.90% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.82% |
| Multifamily (5+ residential) | 5.46% |
| Commercial and industrial | 17.08% |
| Consumer | 0.53% |
| 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) | 284.40% |
| Construction concentration (Tier 1 capital + allowance) | 18.99% |
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 | 6.85% |
| Interest income on loans | $2.2M |
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 | $89.6M | $102.4M | 55.90% | 22.66% | 0.70% |
| Q4 2023 | $90.4M | $98.8M | 57.89% | 20.97% | 0.66% |
| Q1 2024 | $90.7M | $96.7M | 58.00% | 18.75% | 0.27% |
| Q2 2024 | $95.4M | $106.2M | 57.70% | 19.69% | 0.88% |
| Q3 2024 | $100.2M | $111.1M | 57.25% | 21.96% | 0.89% |
| Q4 2024 | $105.4M | $115.8M | 59.65% | 21.24% | 1.00% |
| Q1 2025 | $109.2M | $113.4M | 60.47% | 21.14% | 1.01% |
| Q2 2025 | $110.1M | $112.4M | 60.03% | 22.42% | 0.74% |
| Q3 2025 | $105.0M | $115.2M | 60.97% | 20.90% | 0.76% |
| Q4 2025 | $118.6M | $126.8M | 63.89% | 18.04% | 0.68% |
| Q1 2026 | $123.4M | $133.3M | 65.44% | 17.02% | 0.63% |
| Q2 2026 | $143.3M | $144.9M | 54.82% | 17.08% | 0.53% |
Bank Michigan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Michigan, 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 Bank Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1008) · FFIEC NIC profile (RSSD 382742)