First Independence 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): 8.63 percentage points lower than in Q1 2026, at 109.18%. Within Michigan, First Independence Bank is 45th of 72 on loan-to-deposit ratio, 76.11% as of Q2 2026. First Independence Bank reported 76.11% on loan-to-deposit ratio for Q2 2026, 4.45 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $535.3M |
| Net loans and leases | $524.7M |
| Loans held for sale | $0 |
| Loans to total assets | 61.16% |
| Loan-to-deposit ratio | 76.11% |
| Net loans to equity capital | 6.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.78% |
| Multifamily (5+ residential) | 4.18% |
| Commercial and industrial | 34.50% |
| Consumer | 8.75% |
| 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) | 109.18% |
| Construction concentration (Tier 1 capital + allowance) | 14.74% |
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 | 6.27% |
| Interest income on loans | $7.9M |
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 | $377.1M | $478.9M | 20.45% | 29.39% | 13.69% |
| Q4 2023 | $379.7M | $482.9M | 20.36% | 28.94% | 14.01% |
| Q1 2024 | $377.9M | $504.1M | 18.94% | 29.08% | 14.41% |
| Q2 2024 | $390.6M | $471.4M | 18.00% | 28.71% | 13.50% |
| Q3 2024 | $392.4M | $515.5M | 17.62% | 30.24% | 12.86% |
| Q4 2024 | $383.5M | $491.8M | 17.42% | 29.88% | 12.60% |
| Q1 2025 | $371.0M | $523.1M | 17.65% | 29.85% | 12.53% |
| Q2 2025 | $393.8M | $527.9M | 19.43% | 28.10% | 11.48% |
| Q3 2025 | $394.7M | $530.5M | 18.24% | 28.11% | 11.00% |
| Q4 2025 | $421.3M | $532.6M | 17.04% | 25.20% | 10.25% |
| Q1 2026 | $550.2M | $684.2M | 14.95% | 38.80% | 8.24% |
| Q2 2026 | $535.3M | $703.4M | 15.78% | 34.50% | 8.75% |
First Independence Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independence 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 Independence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20179) · FFIEC NIC profile (RSSD 254849)