First National Bank of 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 11.76 percentage points lower than in Q1 2026, at 44.05%. Among 72 Michigan banks, First National Bank of Michigan sits 6th from the top on loan-to-deposit ratio, 102.37% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Michigan sits 21.53 points higher, at 102.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $826.3M |
| Net loans and leases | $814.4M |
| Loans held for sale | $0 |
| Loans to total assets | 83.56% |
| Loan-to-deposit ratio | 102.37% |
| Net loans to equity capital | 9.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.64% |
| Multifamily (5+ residential) | 13.04% |
| Commercial and industrial | 14.01% |
| Consumer | 0.07% |
| 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) | 474.20% |
| Construction concentration (Tier 1 capital + allowance) | 44.05% |
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 | 6.12% |
| Interest income on loans | $12.7M |
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 | $689.4M | $797.1M | 57.00% | 17.29% | 0.08% |
| Q4 2023 | $712.9M | $778.3M | 59.29% | 17.03% | 0.09% |
| Q1 2024 | $731.1M | $800.0M | 58.01% | 15.31% | 0.07% |
| Q2 2024 | $739.6M | $753.9M | 58.29% | 15.32% | 0.06% |
| Q3 2024 | $739.4M | $766.7M | 57.86% | 14.11% | 0.06% |
| Q4 2024 | $746.2M | $802.4M | 57.58% | 15.06% | 0.06% |
| Q1 2025 | $752.0M | $768.4M | 59.45% | 14.93% | 0.06% |
| Q2 2025 | $775.8M | $777.1M | 58.09% | 14.96% | 0.05% |
| Q3 2025 | $781.7M | $775.3M | 59.09% | 13.36% | 0.05% |
| Q4 2025 | $813.0M | $772.3M | 57.83% | 13.81% | 0.04% |
| Q1 2026 | $825.3M | $760.4M | 58.47% | 13.32% | 0.04% |
| Q2 2026 | $826.3M | $807.2M | 59.64% | 14.01% | 0.07% |
First National Bank of Michigan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of 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 National Bank of Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58259) · FFIEC NIC profile (RSSD 3404467)