First Bank, Upper Michigan: 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 2.62 percentage points in Q2 2026, from 71.99% to 69.37%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First Bank, Upper Michigan is 36th of 72 on loan-to-deposit ratio, 85.40% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank, Upper Michigan sits 4.57 points higher, at 85.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $451.2M |
| Net loans and leases | $446.1M |
| Loans held for sale | $522K |
| Loans to total assets | 71.68% |
| Loan-to-deposit ratio | 85.40% |
| Net loans to equity capital | 5.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.98% |
| Multifamily (5+ residential) | 0.42% |
| Commercial and industrial | 15.57% |
| Consumer | 9.72% |
| Credit cards | 0.00% |
| Farm | 0.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.37% |
| Construction concentration (Tier 1 capital + allowance) | 26.91% |
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 | 6.97% |
| Interest income on loans | $7.8M |
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 | $410.3M | $500.4M | 39.36% | 15.91% | 14.02% |
| Q4 2023 | $417.1M | $500.4M | 38.88% | 15.60% | 14.07% |
| Q1 2024 | $418.2M | $501.4M | 38.62% | 15.72% | 14.01% |
| Q2 2024 | $427.9M | $501.7M | 37.67% | 16.08% | 13.73% |
| Q3 2024 | $430.6M | $518.4M | 37.16% | 16.14% | 13.43% |
| Q4 2024 | $425.1M | $516.3M | 37.11% | 16.36% | 13.14% |
| Q1 2025 | $428.2M | $514.7M | 37.70% | 16.23% | 12.41% |
| Q2 2025 | $438.6M | $517.8M | 37.72% | 17.00% | 11.81% |
| Q3 2025 | $443.3M | $538.4M | 37.09% | 17.75% | 11.20% |
| Q4 2025 | $445.8M | $524.4M | 36.86% | 16.66% | 10.44% |
| Q1 2026 | $445.8M | $532.1M | 37.70% | 16.62% | 9.98% |
| Q2 2026 | $451.2M | $528.3M | 38.98% | 15.57% | 9.72% |
First Bank, Upper Michigan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank, Upper Michigan, 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 First Bank, Upper Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14276) · FFIEC NIC profile (RSSD 239556)