Honor 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) climbed 33.42 percentage points in Q2 2026, from 263.79% to 297.21%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Honor Bank is 23rd of 72 on loan-to-deposit ratio, 93.58% as of Q2 2026. Honor Bank reported 93.58% on loan-to-deposit ratio for Q2 2026, 13.03 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $359.4M |
| Net loans and leases | $354.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.18% |
| Loan-to-deposit ratio | 93.58% |
| Net loans to equity capital | 8.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.80% |
| Multifamily (5+ residential) | 5.35% |
| Commercial and industrial | 14.81% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 297.21% |
| Construction concentration (Tier 1 capital + allowance) | 62.04% |
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 | 6.06% |
| Interest income on loans | $5.2M |
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 | $286.6M | $350.7M | 46.16% | 10.14% | 0.93% |
| Q4 2023 | $292.2M | $340.5M | 44.04% | 9.80% | 0.68% |
| Q1 2024 | $298.7M | $345.0M | 43.21% | 10.00% | 0.61% |
| Q2 2024 | $316.0M | $354.1M | 42.21% | 10.83% | 0.52% |
| Q3 2024 | $322.1M | $381.0M | 46.21% | 10.58% | 0.45% |
| Q4 2024 | $323.6M | $374.0M | 46.12% | 10.49% | 0.54% |
| Q1 2025 | $328.4M | $365.8M | 45.99% | 11.37% | 0.37% |
| Q2 2025 | $335.3M | $367.8M | 45.54% | 12.09% | 0.33% |
| Q3 2025 | $337.4M | $389.2M | 45.60% | 12.64% | 0.28% |
| Q4 2025 | $334.9M | $374.4M | 43.82% | 14.44% | 0.27% |
| Q1 2026 | $337.5M | $369.7M | 43.03% | 14.46% | 0.23% |
| Q2 2026 | $359.4M | $384.1M | 44.80% | 14.81% | 0.19% |
Honor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Honor 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 Honor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8165) · FFIEC NIC profile (RSSD 815147)