The First National Bank of Saint Ignace: 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 6.83 percentage points in Q2 2026, from 148.15% to 141.32%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Saint Ignace has the 3rd lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 35.41% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, The First National Bank of Saint Ignace reported 35.41% on loan-to-deposit ratio in Q2 2026, 45.43 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $112.0M |
| Net loans and leases | $111.1M |
| Loans held for sale | $0 |
| Loans to total assets | 33.35% |
| Loan-to-deposit ratio | 35.41% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.74% |
| Multifamily (5+ residential) | 0.78% |
| Commercial and industrial | 6.94% |
| Consumer | 14.25% |
| Credit cards | 0.04% |
| Farm | 0.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.32% |
| Construction concentration (Tier 1 capital + allowance) | 35.31% |
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 | 6.42% |
| Interest income on loans | $1.8M |
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 | $88.5M | $348.9M | 41.72% | 8.07% | 7.16% |
| Q4 2023 | $89.8M | $318.1M | 41.28% | 8.23% | 7.64% |
| Q1 2024 | $90.5M | $292.0M | 40.90% | 8.48% | 7.17% |
| Q2 2024 | $89.7M | $297.0M | 41.89% | 7.62% | 7.32% |
| Q3 2024 | $89.2M | $343.9M | 44.60% | 7.14% | 7.54% |
| Q4 2024 | $91.7M | $305.7M | 45.53% | 6.85% | 7.55% |
| Q1 2025 | $102.8M | $307.3M | 43.07% | 7.08% | 13.32% |
| Q2 2025 | $104.6M | $307.2M | 42.63% | 7.62% | 12.49% |
| Q3 2025 | $103.6M | $348.2M | 41.53% | 7.62% | 11.76% |
| Q4 2025 | $108.3M | $324.0M | 40.68% | 5.59% | 15.68% |
| Q1 2026 | $110.8M | $315.0M | 41.06% | 7.83% | 14.60% |
| Q2 2026 | $112.0M | $316.3M | 40.74% | 6.94% | 14.25% |
The First National Bank of Saint Ignace loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Saint Ignace, 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 The First National Bank of Saint Ignace profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5074) · FFIEC NIC profile (RSSD 381950)