Capitol National 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): 4.67 percentage points higher than in Q1 2026, at 202.77%. On loan-to-deposit ratio, Capitol National Bank ranks 3rd highest among the 72 banks headquartered in Michigan, at 105.13% (Q2 2026). Capitol National Bank reported 105.13% on loan-to-deposit ratio for Q2 2026, 24.29 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.4M |
| Net loans and leases | $166.5M |
| Loans held for sale | $22.6M |
| Loans to total assets | 81.44% |
| Loan-to-deposit ratio | 105.13% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.62% |
| Multifamily (5+ residential) | 5.77% |
| Commercial and industrial | 7.43% |
| Consumer | 0.15% |
| 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) | 202.77% |
| Construction concentration (Tier 1 capital + allowance) | 19.16% |
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 | 6.75% |
| Interest income on loans | $2.7M |
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 | $125.8M | $159.5M | 64.61% | 11.05% | 0.05% |
| Q4 2023 | $127.8M | $154.3M | 64.26% | 10.61% | 0.05% |
| Q1 2024 | $137.6M | $151.0M | 61.71% | 9.83% | 0.04% |
| Q2 2024 | $144.4M | $161.4M | 59.56% | 8.54% | 0.05% |
| Q3 2024 | $147.7M | $192.0M | 60.53% | 7.96% | 0.05% |
| Q4 2024 | $160.6M | $161.9M | 61.13% | 8.44% | 0.07% |
| Q1 2025 | $138.3M | $153.5M | 70.19% | 10.87% | 0.08% |
| Q2 2025 | $136.4M | $154.6M | 72.82% | 9.61% | 0.08% |
| Q3 2025 | $136.0M | $167.7M | 72.45% | 8.88% | 0.07% |
| Q4 2025 | $168.6M | $166.2M | 54.79% | 7.53% | 0.05% |
| Q1 2026 | $166.1M | $162.9M | 59.06% | 7.75% | 0.05% |
| Q2 2026 | $170.4M | $162.1M | 57.62% | 7.43% | 0.15% |
Capitol National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capitol National 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 Capitol National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24199) · FFIEC NIC profile (RSSD 285544)