Charlevoix 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.
Cre concentration (tier 1 capital + allowance) climbed 10.51 percentage points in Q2 2026, from 120.15% to 130.66%. It was the largest change from Q1 2026 among the key lines here. Charlevoix State Bank ranks 63rd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 59.71% (Q2 2026). Charlevoix State Bank reported 59.71% on loan-to-deposit ratio for Q2 2026, 21.13 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $131.9M |
| Net loans and leases | $130.4M |
| Loans held for sale | $439K |
| Loans to total assets | 53.13% |
| Loan-to-deposit ratio | 59.71% |
| Net loans to equity capital | 5.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.44% |
| Multifamily (5+ residential) | 2.61% |
| Commercial and industrial | 7.92% |
| Consumer | 4.34% |
| Credit cards | 0.42% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.66% |
| Construction concentration (Tier 1 capital + allowance) | 41.50% |
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 | 7.15% |
| Interest income on loans | $2.4M |
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 | $114.6M | $260.0M | 28.31% | 13.12% | 5.41% |
| Q4 2023 | $114.3M | $241.8M | 28.46% | 12.54% | 5.33% |
| Q1 2024 | $115.8M | $215.4M | 27.87% | 12.93% | 5.74% |
| Q2 2024 | $118.0M | $219.0M | 29.40% | 9.36% | 5.66% |
| Q3 2024 | $119.0M | $220.5M | 28.44% | 9.55% | 5.70% |
| Q4 2024 | $123.2M | $215.6M | 30.05% | 11.08% | 5.44% |
| Q1 2025 | $123.2M | $211.8M | 30.26% | 12.34% | 5.57% |
| Q2 2025 | $122.5M | $217.0M | 29.87% | 11.42% | 5.62% |
| Q3 2025 | $122.8M | $223.5M | 30.14% | 9.95% | 4.94% |
| Q4 2025 | $129.6M | $212.8M | 29.42% | 9.50% | 4.40% |
| Q1 2026 | $130.2M | $218.4M | 30.17% | 9.51% | 4.24% |
| Q2 2026 | $131.9M | $221.0M | 30.44% | 7.92% | 4.34% |
Charlevoix State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charlevoix 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 Charlevoix State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33926) · FFIEC NIC profile (RSSD 2232757)