Bank of Ann Arbor: 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): 14.77 percentage points lower than in Q1 2026, at 221.96%. Within Michigan, Bank of Ann Arbor is 21st of 72 on loan-to-deposit ratio, 93.77% as of Q2 2026, above the middle of the field. Bank of Ann Arbor reported 93.77% on loan-to-deposit ratio for Q2 2026, 5.57 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.67B |
| Net loans and leases | $2.63B |
| Loans held for sale | $2.7M |
| Loans to total assets | 76.23% |
| Loan-to-deposit ratio | 93.77% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.07% |
| Multifamily (5+ residential) | 7.30% |
| Commercial and industrial | 24.55% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.96% |
| Construction concentration (Tier 1 capital + allowance) | 25.59% |
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 | 6.38% |
| Interest income on loans | $37.8M |
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 | $2.37B | $2.58B | 44.27% | 22.99% | 1.05% |
| Q4 2023 | $2.41B | $2.56B | 44.81% | 23.14% | 0.95% |
| Q1 2024 | $2.46B | $2.54B | 44.34% | 23.92% | 0.88% |
| Q2 2024 | $2.55B | $2.46B | 43.40% | 24.05% | 0.83% |
| Q3 2024 | $2.52B | $2.64B | 42.86% | 23.69% | 0.80% |
| Q4 2024 | $2.53B | $2.60B | 42.90% | 23.12% | 0.75% |
| Q1 2025 | $2.56B | $2.70B | 41.94% | 23.57% | 0.69% |
| Q2 2025 | $2.70B | $2.66B | 39.99% | 25.55% | 0.67% |
| Q3 2025 | $2.66B | $2.77B | 39.69% | 24.73% | 0.61% |
| Q4 2025 | $2.72B | $2.74B | 38.13% | 26.19% | 0.63% |
| Q1 2026 | $2.70B | $2.74B | 39.07% | 24.93% | 0.58% |
| Q2 2026 | $2.67B | $2.84B | 40.07% | 24.55% | 0.51% |
Bank of Ann Arbor loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ann Arbor, 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 of Ann Arbor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34120) · FFIEC NIC profile (RSSD 2390929)