Eastern Michigan 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) dropped 9.30 percentage points in Q2 2026, from 62.14% to 52.84%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Eastern Michigan Bank is 4th from the bottom among 72 Michigan banks, 42.83% (Q2 2026). Eastern Michigan Bank reported 42.83% on loan-to-deposit ratio for Q2 2026, 38.01 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $194.3M |
| Net loans and leases | $192.0M |
| Loans held for sale | $0 |
| Loans to total assets | 35.09% |
| Loan-to-deposit ratio | 42.83% |
| Net loans to equity capital | 1.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.39% |
| Multifamily (5+ residential) | 2.65% |
| Commercial and industrial | 10.65% |
| Consumer | 6.65% |
| Credit cards | 0.00% |
| Farm | 15.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.84% |
| Construction concentration (Tier 1 capital + allowance) | 11.01% |
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 | 6.80% |
| Interest income on loans | $3.4M |
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 | $204.2M | $507.8M | 29.75% | 12.61% | 10.61% |
| Q4 2023 | $212.4M | $498.3M | 32.04% | 12.37% | 10.72% |
| Q1 2024 | $212.0M | $471.7M | 31.87% | 12.04% | 11.04% |
| Q2 2024 | $222.2M | $462.8M | 30.07% | 11.46% | 10.72% |
| Q3 2024 | $220.8M | $499.1M | 30.67% | 10.03% | 10.77% |
| Q4 2024 | $220.1M | $471.1M | 31.74% | 10.51% | 10.45% |
| Q1 2025 | $202.2M | $460.8M | 34.75% | 10.47% | 10.81% |
| Q2 2025 | $208.3M | $450.7M | 36.74% | 9.93% | 9.70% |
| Q3 2025 | $207.3M | $503.0M | 36.99% | 9.84% | 9.11% |
| Q4 2025 | $203.7M | $475.4M | 36.24% | 10.43% | 8.28% |
| Q1 2026 | $198.1M | $470.2M | 35.62% | 10.31% | 7.33% |
| Q2 2026 | $194.3M | $453.7M | 37.39% | 10.65% | 6.65% |
Eastern Michigan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eastern Michigan 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 Eastern Michigan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 982) · FFIEC NIC profile (RSSD 643340)