Grand River Bank: 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 20.00 percentage points in Q2 2026, from 346.24% to 326.24%. It was the largest change from Q1 2026 among the key lines here. Grand River Bank ranks 16th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 96.04% (Q2 2026). Grand River Bank reported 96.04% on loan-to-deposit ratio for Q2 2026, 15.21 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $428.4M |
| Net loans and leases | $423.6M |
| Loans held for sale | $622K |
| Loans to total assets | 84.46% |
| Loan-to-deposit ratio | 96.04% |
| Net loans to equity capital | 8.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 63.15% |
| Multifamily (5+ residential) | 5.56% |
| Commercial and industrial | 7.83% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.24% |
| Construction concentration (Tier 1 capital + allowance) | 7.85% |
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 | 5.43% |
| Interest income on loans | $5.9M |
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 | $499.4M | $472.1M | 58.26% | 7.20% | 0.10% |
| Q4 2023 | $505.0M | $464.6M | 59.01% | 7.73% | 0.22% |
| Q1 2024 | $499.7M | $474.6M | 59.23% | 7.62% | 0.22% |
| Q2 2024 | $499.3M | $462.1M | 58.17% | 8.57% | 0.22% |
| Q3 2024 | $488.7M | $471.7M | 58.21% | 8.28% | 0.22% |
| Q4 2024 | $480.5M | $436.7M | 57.85% | 8.19% | 0.20% |
| Q1 2025 | $466.2M | $436.7M | 58.85% | 7.71% | 0.19% |
| Q2 2025 | $456.9M | $431.0M | 59.51% | 7.90% | 0.18% |
| Q3 2025 | $444.7M | $451.7M | 61.35% | 7.61% | 0.18% |
| Q4 2025 | $446.4M | $446.4M | 61.71% | 8.36% | 0.17% |
| Q1 2026 | $439.2M | $440.0M | 63.04% | 7.26% | 0.17% |
| Q2 2026 | $428.4M | $446.1M | 63.15% | 7.83% | 0.15% |
Grand River Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand River Bank, 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 Grand River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58789) · FFIEC NIC profile (RSSD 3812147)