Eaton Community 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 Commercial and industrial: 2.31 percentage points higher than in Q1 2026, at 7.29%. Within Michigan, Eaton Community Bank is 49th of 72 on loan-to-deposit ratio, 74.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Eaton Community Bank sits 6.52 points lower, at 74.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $341.1M |
| Net loans and leases | $338.0M |
| Loans held for sale | $0 |
| Loans to total assets | 62.77% |
| Loan-to-deposit ratio | 74.32% |
| Net loans to equity capital | 5.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.30% |
| Multifamily (5+ residential) | 6.17% |
| Commercial and industrial | 7.29% |
| Consumer | 21.08% |
| Credit cards | 0.00% |
| Farm | 0.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.69% |
| Construction concentration (Tier 1 capital + allowance) | 9.91% |
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 | 5.80% |
| Interest income on loans | $4.9M |
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 | $228.4M | $344.7M | 31.76% | 3.80% | 15.14% |
| Q4 2023 | $232.3M | $339.7M | 31.40% | 3.60% | 15.13% |
| Q1 2024 | $244.5M | $391.6M | 29.72% | 3.50% | 15.32% |
| Q2 2024 | $265.8M | $410.1M | 30.65% | 3.45% | 16.64% |
| Q3 2024 | $276.0M | $419.8M | 27.89% | 3.72% | 18.07% |
| Q4 2024 | $283.9M | $420.8M | 28.24% | 3.60% | 18.06% |
| Q1 2025 | $289.3M | $439.6M | 27.66% | 3.58% | 19.07% |
| Q2 2025 | $305.4M | $431.5M | 27.22% | 3.25% | 20.72% |
| Q3 2025 | $315.0M | $420.3M | 26.37% | 3.00% | 22.56% |
| Q4 2025 | $324.3M | $442.0M | 28.18% | 3.03% | 22.07% |
| Q1 2026 | $332.6M | $452.0M | 27.02% | 4.99% | 21.45% |
| Q2 2026 | $341.1M | $459.0M | 26.30% | 7.29% | 21.08% |
Eaton Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eaton Community 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 Eaton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29846) · FFIEC NIC profile (RSSD 980773)