First National Bank & Trust: 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) climbed 7.96 percentage points in Q2 2026, from 112.44% to 120.39%. It was the largest change from Q1 2026 among the key lines here. First National Bank & Trust ranks 57th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 65.67% (Q2 2026). First National Bank & Trust reported 65.67% on loan-to-deposit ratio for Q2 2026, 15.17 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $221.7M |
| Net loans and leases | $216.7M |
| Loans held for sale | $4.1M |
| Loans to total assets | 57.38% |
| Loan-to-deposit ratio | 65.67% |
| Net loans to equity capital | 5.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.44% |
| Multifamily (5+ residential) | 6.15% |
| Commercial and industrial | 13.58% |
| Consumer | 5.46% |
| Credit cards | 0.14% |
| Farm | 0.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.39% |
| Construction concentration (Tier 1 capital + allowance) | 27.87% |
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 | — |
| Interest income on loans | $3.6M |
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 | $192.4M | $343.4M | 33.69% | 20.17% | 4.96% |
| Q4 2023 | $194.1M | $344.9M | 33.30% | 19.78% | 5.04% |
| Q1 2024 | $195.1M | $338.9M | 33.25% | 19.96% | 4.57% |
| Q2 2024 | $197.6M | $342.6M | 33.38% | 19.87% | 4.55% |
| Q3 2024 | $195.4M | $365.9M | 34.39% | 18.47% | 4.88% |
| Q4 2024 | $197.1M | $360.0M | 33.56% | 18.04% | 4.80% |
| Q1 2025 | $199.3M | $352.9M | 33.77% | 18.41% | 5.05% |
| Q2 2025 | $205.6M | $342.5M | 33.30% | 17.82% | 5.74% |
| Q3 2025 | $209.0M | $361.5M | 33.42% | 18.05% | 5.69% |
| Q4 2025 | $210.4M | $355.2M | 35.16% | 15.60% | 5.16% |
| Q1 2026 | $210.4M | $356.2M | 36.96% | 14.53% | 5.02% |
| Q2 2026 | $221.7M | $337.6M | 35.44% | 13.58% | 5.46% |
First National Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5062) · FFIEC NIC profile (RSSD 251558)