First 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 CRE concentration (Tier 1 capital + allowance): 14.09 percentage points lower than in Q1 2026, at 268.68%. First Community Bank ranks 19th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 94.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Community Bank sits 13.88 points higher, at 94.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $339.4M |
| Net loans and leases | $335.4M |
| Loans held for sale | $0 |
| Loans to total assets | 82.06% |
| Loan-to-deposit ratio | 94.72% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.99% |
| Multifamily (5+ residential) | 6.49% |
| Commercial and industrial | 11.14% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 268.68% |
| Construction concentration (Tier 1 capital + allowance) | 34.91% |
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 | 6.68% |
| Interest income on loans | $5.7M |
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 | $323.5M | $375.0M | 56.94% | 10.09% | 0.69% |
| Q4 2023 | $318.9M | $361.0M | 57.04% | 9.94% | 0.64% |
| Q1 2024 | $315.5M | $357.9M | 56.61% | 9.78% | 0.68% |
| Q2 2024 | $316.3M | $343.6M | 55.94% | 10.61% | 0.68% |
| Q3 2024 | $314.5M | $352.2M | 57.28% | 9.57% | 0.76% |
| Q4 2024 | $314.1M | $333.4M | 58.04% | 10.26% | 0.77% |
| Q1 2025 | $318.7M | $338.9M | 60.03% | 9.73% | 0.75% |
| Q2 2025 | $325.9M | $348.5M | 59.90% | 10.52% | 0.81% |
| Q3 2025 | $326.1M | $371.9M | 58.31% | 11.23% | 0.84% |
| Q4 2025 | $329.4M | $352.6M | 58.33% | 11.05% | 0.85% |
| Q1 2026 | $341.3M | $356.0M | 58.13% | 10.85% | 0.84% |
| Q2 2026 | $339.4M | $358.3M | 57.99% | 11.14% | 0.81% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13179) · FFIEC NIC profile (RSSD 932745)