County 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): 11.11 percentage points higher than in Q1 2026, at 174.95%. Among 72 Michigan banks, County National Bank sits 5th from the top on loan-to-deposit ratio, 103.06% as of Q2 2026. County National Bank reported 103.06% on loan-to-deposit ratio for Q2 2026, 14.86 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.13B |
| Loans held for sale | $589K |
| Loans to total assets | 83.50% |
| Loan-to-deposit ratio | 103.06% |
| Net loans to equity capital | 8.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.38% |
| Multifamily (5+ residential) | 2.84% |
| Commercial and industrial | 20.37% |
| Consumer | 3.19% |
| Credit cards | 0.00% |
| Farm | 3.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.95% |
| Construction concentration (Tier 1 capital + allowance) | 73.88% |
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 | 5.95% |
| Interest income on loans | $16.7M |
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 | $936.5M | $1.10B | 29.99% | 25.19% | 4.33% |
| Q4 2023 | $968.0M | $1.08B | 29.28% | 24.31% | 4.12% |
| Q1 2024 | $988.7M | $1.09B | 29.99% | 23.70% | 3.99% |
| Q2 2024 | $1.02B | $1.05B | 30.64% | 23.34% | 3.92% |
| Q3 2024 | $1.05B | $1.05B | 30.36% | 22.82% | 3.75% |
| Q4 2024 | $1.05B | $1.10B | 29.97% | 22.36% | 3.65% |
| Q1 2025 | $1.05B | $1.13B | 29.20% | 22.51% | 3.61% |
| Q2 2025 | $1.07B | $1.10B | 29.22% | 21.84% | 3.62% |
| Q3 2025 | $1.08B | $1.12B | 28.82% | 20.94% | 3.55% |
| Q4 2025 | $1.10B | $1.12B | 28.76% | 20.79% | 3.33% |
| Q1 2026 | $1.10B | $1.13B | 27.82% | 21.79% | 3.23% |
| Q2 2026 | $1.14B | $1.11B | 29.38% | 20.37% | 3.19% |
County National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock County 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 County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14073) · FFIEC NIC profile (RSSD 682143)