G.W. Jones Exchange 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 5.55 percentage points in Q2 2026, from 49.61% to 44.06%. It was the largest change from Q1 2026 among the key lines here. G.W. Jones Exchange Bank has the 2nd lowest loan-to-deposit ratio of the 72 banks headquartered in Michigan, at 22.32% as of Q2 2026. G.W. Jones Exchange Bank's loan-to-deposit ratio of 22.32% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 58.51 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.8M |
| Net loans and leases | $24.5M |
| Loans held for sale | $0 |
| Loans to total assets | 20.17% |
| Loan-to-deposit ratio | 22.32% |
| Net loans to equity capital | 2.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.35% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 2.22% |
| Consumer | 4.74% |
| Credit cards | 0.00% |
| Farm | 5.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.06% |
| Construction concentration (Tier 1 capital + allowance) | 6.45% |
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 | 8.68% |
| Interest income on loans | $531K |
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 | $24.6M | $115.5M | 34.05% | 2.98% | 5.76% |
| Q4 2023 | $25.1M | $117.8M | 33.62% | 3.08% | 5.64% |
| Q1 2024 | $24.9M | $115.0M | 36.00% | 2.93% | 5.17% |
| Q2 2024 | $24.7M | $91.5M | 35.83% | 3.14% | 5.30% |
| Q3 2024 | $25.6M | $93.3M | 37.59% | 3.96% | 4.21% |
| Q4 2024 | $25.2M | $98.1M | 37.21% | 3.88% | 4.29% |
| Q1 2025 | $24.7M | $99.6M | 34.97% | 3.89% | 3.99% |
| Q2 2025 | $24.0M | $98.4M | 35.83% | 2.27% | 4.53% |
| Q3 2025 | $24.7M | $100.5M | 37.24% | 2.13% | 3.16% |
| Q4 2025 | $25.1M | $100.9M | 35.19% | 2.16% | 5.35% |
| Q1 2026 | $24.4M | $97.2M | 31.85% | 2.36% | 5.86% |
| Q2 2026 | $24.8M | $110.9M | 29.35% | 2.22% | 4.74% |
G.W. Jones Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock G.W. Jones Exchange 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 G.W. Jones Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 999) · FFIEC NIC profile (RSSD 540542)