Isabella 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 Construction concentration (Tier 1 capital + allowance): 4.79 percentage points higher than in Q1 2026, at 63.72%. Within Michigan, Isabella Bank is 33rd of 72 on loan-to-deposit ratio, 86.16% as of Q2 2026, above the middle of the field. At 86.16%, Isabella Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.59B |
| Net loans and leases | $1.58B |
| Loans held for sale | $410K |
| Loans to total assets | 73.27% |
| Loan-to-deposit ratio | 86.16% |
| Net loans to equity capital | 8.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.05% |
| Multifamily (5+ residential) | 4.76% |
| Commercial and industrial | 11.13% |
| Consumer | 3.91% |
| Credit cards | 0.00% |
| Farm | 4.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.06% |
| Construction concentration (Tier 1 capital + allowance) | 63.72% |
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 | — |
| Interest income on loans | $22.6M |
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 | $1.33B | $1.79B | 31.28% | 10.72% | 7.49% |
| Q4 2023 | $1.35B | $1.75B | 30.69% | 10.87% | 7.44% |
| Q1 2024 | $1.37B | $1.80B | 30.13% | 11.19% | 7.18% |
| Q2 2024 | $1.38B | $1.75B | 29.10% | 11.66% | 7.00% |
| Q3 2024 | $1.42B | $1.82B | 28.35% | 10.70% | 6.58% |
| Q4 2024 | $1.42B | $1.78B | 28.45% | 11.03% | 6.15% |
| Q1 2025 | $1.37B | $1.83B | 29.87% | 11.80% | 5.96% |
| Q2 2025 | $1.40B | $1.88B | 29.26% | 11.82% | 5.50% |
| Q3 2025 | $1.43B | $1.95B | 28.15% | 11.92% | 5.04% |
| Q4 2025 | $1.54B | $1.85B | 26.63% | 10.86% | 4.52% |
| Q1 2026 | $1.56B | $1.89B | 26.55% | 11.15% | 4.20% |
| Q2 2026 | $1.59B | $1.85B | 25.05% | 11.13% | 3.91% |
Isabella Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Isabella 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 Isabella Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1005) · FFIEC NIC profile (RSSD 74140)