Chelsea 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): 8.26 percentage points lower than in Q1 2026, at 103.98%. Within Michigan, Chelsea State Bank is 55th of 72 on loan-to-deposit ratio, 70.06% as of Q2 2026, below the middle of the field. Chelsea State Bank reported 70.06% on loan-to-deposit ratio for Q2 2026, 10.78 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $256.4M |
| Net loans and leases | $252.4M |
| Loans held for sale | $0 |
| Loans to total assets | 61.55% |
| Loan-to-deposit ratio | 70.06% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.98% |
| Multifamily (5+ residential) | 3.26% |
| Commercial and industrial | 26.40% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 0.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.98% |
| Construction concentration (Tier 1 capital + allowance) | 8.98% |
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 | $4.2M |
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 | $235.6M | $366.0M | 51.36% | 22.69% | 0.85% |
| Q4 2023 | $244.7M | $361.8M | 51.05% | 23.89% | 0.78% |
| Q1 2024 | $250.5M | $373.4M | 51.02% | 25.31% | 0.83% |
| Q2 2024 | $254.9M | $364.0M | 49.42% | 26.06% | 0.81% |
| Q3 2024 | $258.3M | $349.0M | 49.39% | 26.91% | 0.87% |
| Q4 2024 | $263.2M | $360.1M | 48.60% | 27.60% | 0.84% |
| Q1 2025 | $262.3M | $366.7M | 48.37% | 27.86% | 0.82% |
| Q2 2025 | $260.7M | $357.4M | 50.41% | 27.85% | 0.70% |
| Q3 2025 | $256.3M | $364.4M | 51.73% | 26.69% | 0.64% |
| Q4 2025 | $252.5M | $363.0M | 52.29% | 25.85% | 0.59% |
| Q1 2026 | $256.7M | $373.1M | 53.44% | 25.45% | 0.58% |
| Q2 2026 | $256.4M | $366.0M | 52.98% | 26.40% | 0.55% |
Chelsea State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea 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 Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)