Homestead Savings 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.87 percentage points lower than in Q1 2026, at 154.78%. Homestead Savings Bank ranks 40th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 78.08% (Q2 2026). Homestead Savings Bank reported 78.08% on loan-to-deposit ratio for Q2 2026, 10.46 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $50.4M |
| Net loans and leases | $49.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.44% |
| Loan-to-deposit ratio | 78.08% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.29% |
| Multifamily (5+ residential) | 3.46% |
| Commercial and industrial | 6.11% |
| Consumer | 1.87% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.78% |
| Construction concentration (Tier 1 capital + allowance) | 10.75% |
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 | 5.53% |
| Interest income on loans | $703K |
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 | $52.8M | $68.6M | 31.63% | 5.49% | 2.38% |
| Q4 2023 | $52.1M | $67.9M | 31.68% | 5.30% | 2.31% |
| Q1 2024 | $52.4M | $70.4M | 31.14% | 5.27% | 2.13% |
| Q2 2024 | $52.8M | $66.8M | 31.67% | 5.45% | 2.56% |
| Q3 2024 | $53.4M | $65.6M | 31.00% | 5.96% | 2.61% |
| Q4 2024 | $52.6M | $64.9M | 32.48% | 4.71% | 2.50% |
| Q1 2025 | $52.5M | $66.8M | 32.15% | 4.76% | 2.34% |
| Q2 2025 | $53.3M | $65.2M | 30.76% | 5.17% | 2.11% |
| Q3 2025 | $52.0M | $64.9M | 31.25% | 5.26% | 2.05% |
| Q4 2025 | $51.9M | $65.0M | 30.90% | 5.00% | 2.07% |
| Q1 2026 | $51.2M | $66.5M | 31.38% | 5.95% | 1.87% |
| Q2 2026 | $50.4M | $64.6M | 31.29% | 6.11% | 1.87% |
Homestead Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead Savings 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 Homestead Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)