Bay Port 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): 4.29 percentage points lower than in Q1 2026, at 56.47%. Bay Port State Bank ranks 13th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 97.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bay Port State Bank sits 16.30 points higher, at 97.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $132.3M |
| Net loans and leases | $130.3M |
| Loans held for sale | $0 |
| Loans to total assets | 86.27% |
| Loan-to-deposit ratio | 97.24% |
| Net loans to equity capital | 7.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.64% |
| Multifamily (5+ residential) | 2.68% |
| Commercial and industrial | 9.78% |
| Consumer | 2.22% |
| Credit cards | 0.00% |
| Farm | 28.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.47% |
| Construction concentration (Tier 1 capital + allowance) | 12.04% |
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 | 6.06% |
| Interest income on loans | $2.0M |
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 | $114.3M | $124.2M | 12.90% | 9.76% | 3.28% |
| Q4 2023 | $111.5M | $132.0M | 13.83% | 9.65% | 3.18% |
| Q1 2024 | $114.1M | $133.3M | 14.62% | 10.15% | 3.04% |
| Q2 2024 | $116.9M | $132.0M | 14.33% | 10.22% | 2.74% |
| Q3 2024 | $118.2M | $131.2M | 14.47% | 9.94% | 2.81% |
| Q4 2024 | $117.8M | $134.6M | 14.09% | 10.02% | 2.71% |
| Q1 2025 | $120.5M | $136.6M | 13.64% | 9.68% | 2.50% |
| Q2 2025 | $128.9M | $133.5M | 12.92% | 10.27% | 2.33% |
| Q3 2025 | $130.2M | $134.1M | 13.77% | 9.83% | 2.33% |
| Q4 2025 | $128.3M | $136.9M | 13.81% | 9.08% | 2.46% |
| Q1 2026 | $129.4M | $133.3M | 13.01% | 9.40% | 2.25% |
| Q2 2026 | $132.3M | $136.1M | 12.64% | 9.78% | 2.22% |
Bay Port State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bay Port 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 Bay Port State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15585) · FFIEC NIC profile (RSSD 961446)