The Dart 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 Loan-to-deposit ratio: 15.73 percentage points lower than in Q1 2026, at 91.88%. Within Michigan, The Dart Bank is 26th of 72 on loan-to-deposit ratio, 91.88% as of Q2 2026, above the middle of the field. The Dart Bank reported 91.88% on loan-to-deposit ratio for Q2 2026, 3.68 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.17B |
| Net loans and leases | $1.16B |
| Loans held for sale | $113.1M |
| Loans to total assets | 79.23% |
| Loan-to-deposit ratio | 91.88% |
| Net loans to equity capital | 9.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.42% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 7.78% |
| Consumer | 0.35% |
| Credit cards | 0.02% |
| Farm | 0.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 176.22% |
| Construction concentration (Tier 1 capital + allowance) | 106.69% |
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 | 6.46% |
| Interest income on loans | $18.5M |
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 | $943.2M | $944.9M | 24.90% | 9.34% | 0.56% |
| Q4 2023 | $985.4M | $1.01B | 24.29% | 8.92% | 0.45% |
| Q1 2024 | $1.02B | $1.05B | 23.59% | 8.69% | 0.41% |
| Q2 2024 | $1.09B | $1.11B | 24.02% | 8.30% | 0.42% |
| Q3 2024 | $1.10B | $1.14B | 23.31% | 7.55% | 0.41% |
| Q4 2024 | $1.11B | $1.16B | 24.24% | 7.42% | 0.46% |
| Q1 2025 | $1.13B | $1.15B | 24.15% | 7.90% | 0.32% |
| Q2 2025 | $1.17B | $1.15B | 23.40% | 7.96% | 0.45% |
| Q3 2025 | $1.16B | $1.17B | 22.36% | 7.29% | 0.36% |
| Q4 2025 | $1.18B | $1.23B | 21.61% | 7.06% | 0.29% |
| Q1 2026 | $1.14B | $1.06B | 22.22% | 7.60% | 0.31% |
| Q2 2026 | $1.17B | $1.27B | 21.42% | 7.78% | 0.35% |
The Dart Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Dart 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 The Dart Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5033) · FFIEC NIC profile (RSSD 47247)