Dearborn Federal 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.15 percentage points lower than in Q1 2026, at 100.12%. Within Michigan, Dearborn Federal Savings Bank is 10th of 72 on loan-to-deposit ratio, 100.12% as of Q2 2026, above the middle of the field. Dearborn Federal Savings Bank reported 100.12% on loan-to-deposit ratio for Q2 2026, 19.28 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $198.5M |
| Net loans and leases | $196.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.73% |
| Loan-to-deposit ratio | 100.12% |
| Net loans to equity capital | 2.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.71% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.74% |
| Construction concentration (Tier 1 capital + allowance) | 0.55% |
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 | 4.11% |
| Interest income on loans | $2.0M |
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 | $195.0M | $172.2M | 3.30% | 0.00% | 0.00% |
| Q4 2023 | $198.5M | $167.8M | 3.17% | 0.00% | 0.00% |
| Q1 2024 | $200.7M | $170.9M | 3.02% | 0.00% | 0.00% |
| Q2 2024 | $205.3M | $169.7M | 4.43% | 0.00% | 0.00% |
| Q3 2024 | $204.1M | $164.5M | 5.47% | 0.00% | 0.00% |
| Q4 2024 | $204.0M | $168.2M | 5.19% | 0.00% | 0.00% |
| Q1 2025 | $201.4M | $171.8M | 5.11% | 0.00% | 0.00% |
| Q2 2025 | $201.8M | $172.2M | 5.03% | 0.00% | 0.00% |
| Q3 2025 | $201.8M | $186.9M | 4.87% | 0.00% | 0.00% |
| Q4 2025 | $201.5M | $183.2M | 4.75% | 0.00% | 0.00% |
| Q1 2026 | $197.9M | $189.8M | 4.78% | 0.00% | 0.00% |
| Q2 2026 | $198.5M | $198.2M | 4.71% | 0.00% | 0.00% |
Dearborn Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dearborn Federal 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 Dearborn Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29874) · FFIEC NIC profile (RSSD 1005075)