First State 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.
Loan-to-deposit ratio climbed 12.40 percentage points in Q2 2026, from 76.75% to 89.16%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, First State Bank of Michigan is 31st of 72 on loan-to-deposit ratio, 89.16% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First State Bank of Michigan sits 21.53 points higher, at 89.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $63.8M |
| Net loans and leases | $63.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.71% |
| Loan-to-deposit ratio | 89.16% |
| Net loans to equity capital | 4.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.72% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 48.50% |
| Consumer | 2.74% |
| Credit cards | 0.00% |
| Farm | 0.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.53% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.73% |
| Interest income on loans | $944K |
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 | $26.6M | $41.4M | 3.37% | 7.51% | 7.84% |
| Q4 2023 | $27.6M | $40.1M | 2.87% | 6.02% | 8.62% |
| Q1 2024 | $27.4M | $43.4M | 2.78% | 6.39% | 8.50% |
| Q2 2024 | $27.8M | $42.9M | 2.60% | 6.24% | 8.81% |
| Q3 2024 | $28.2M | $42.6M | 3.14% | 5.25% | 8.97% |
| Q4 2024 | $26.3M | $44.1M | 3.13% | 7.86% | 9.14% |
| Q1 2025 | $26.2M | $48.4M | 3.16% | 7.96% | 8.12% |
| Q2 2025 | $29.7M | $46.2M | 12.73% | 11.05% | 6.35% |
| Q3 2025 | $34.0M | $49.3M | 14.69% | 19.21% | 6.83% |
| Q4 2025 | $43.9M | $64.8M | 11.98% | 40.98% | 4.79% |
| Q1 2026 | $51.3M | $66.8M | 9.64% | 52.01% | 3.69% |
| Q2 2026 | $63.8M | $71.6M | 7.72% | 48.50% | 2.74% |
First State Bank of Michigan loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State 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 State Bank of Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12893) · FFIEC NIC profile (RSSD 654047)