The First National Bank of Wakefield: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 1.05 percentage points higher than in Q2 2026, at 47.37%. The First National Bank of Wakefield has the 5th lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 45.67% as of Q3 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Wakefield sits 21.95 points lower, at 45.67% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $22.6M |
| Net loans and leases | $22.4M |
| Loans held for sale | $0 |
| Loans to total assets | 41.73% |
| Loan-to-deposit ratio | 45.67% |
| Net loans to equity capital | 4.94% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.83% |
| Consumer | 28.20% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.03% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.37% |
| Construction concentration (Tier 1 capital + allowance) | 1.42% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 8.02% |
| Interest income on loans | $441K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $22.8M | $50.4M | 13.23% | 4.98% | 30.97% |
| Q1 2024 | $22.6M | $50.0M | 13.18% | 4.83% | 30.47% |
| Q2 2024 | $22.2M | $50.1M | 13.13% | 4.92% | 29.45% |
| Q3 2024 | $22.4M | $50.9M | 13.14% | 6.19% | 28.63% |
| Q4 2024 | $21.8M | $49.0M | 12.40% | 5.15% | 28.43% |
| Q1 2025 | $21.4M | $48.7M | 12.15% | 5.80% | 28.23% |
| Q2 2025 | $21.3M | $49.1M | 12.13% | 5.66% | 28.02% |
| Q3 2025 | $20.8M | $49.3M | 11.59% | 5.64% | 28.74% |
| Q4 2025 | $21.1M | $46.9M | 12.44% | 5.43% | 27.50% |
| Q1 2026 | $21.2M | $48.4M | 12.64% | 4.65% | 27.23% |
| Q2 2026 | $21.7M | $47.7M | 11.65% | 4.79% | 28.58% |
| Q3 2026 | $22.6M | $49.6M | 11.45% | 4.83% | 28.20% |
The First National Bank of Wakefield 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 Wakefield, 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 Wakefield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5076) · FFIEC NIC profile (RSSD 292850)