Central Savings 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.
Construction concentration (tier 1 capital + allowance) dropped 36.72 percentage points in Q2 2026, from 63.36% to 26.64%. It was the largest change from Q1 2026 among the key lines here. Central Savings Bank ranks 42nd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Central Savings Bank sits 3.14 points lower, at 77.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $347.6M |
| Net loans and leases | $343.5M |
| Loans held for sale | $27.6M |
| Loans to total assets | 67.27% |
| Loan-to-deposit ratio | 77.70% |
| Net loans to equity capital | 7.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.25% |
| Multifamily (5+ residential) | 2.16% |
| Commercial and industrial | 13.63% |
| Consumer | 6.81% |
| Credit cards | 0.10% |
| Farm | 0.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.14% |
| Construction concentration (Tier 1 capital + allowance) | 26.64% |
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 | — |
| Interest income on loans | $5.8M |
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 | $219.3M | $407.5M | 32.86% | 12.44% | 12.08% |
| Q4 2023 | $221.7M | $402.8M | 33.45% | 12.61% | 11.87% |
| Q1 2024 | $222.7M | $421.1M | 35.47% | 12.69% | 11.45% |
| Q2 2024 | $227.3M | $420.6M | 36.54% | 12.94% | 11.22% |
| Q3 2024 | $254.4M | $435.0M | 36.50% | 11.10% | 10.01% |
| Q4 2024 | $256.8M | $422.3M | 37.39% | 10.76% | 9.99% |
| Q1 2025 | $246.6M | $417.6M | 38.46% | 11.50% | 10.18% |
| Q2 2025 | $272.4M | $418.7M | 38.23% | 12.18% | 9.03% |
| Q3 2025 | $282.2M | $442.7M | 37.96% | 11.21% | 8.80% |
| Q4 2025 | $332.5M | $428.1M | 34.94% | 11.92% | 7.56% |
| Q1 2026 | $329.8M | $431.1M | 35.91% | 12.79% | 7.33% |
| Q2 2026 | $347.6M | $447.4M | 32.25% | 13.63% | 6.81% |
Central Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Savings 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 Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1095) · FFIEC NIC profile (RSSD 382050)