Kalamazoo County State 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): 3.55 percentage points higher than in Q1 2026, at 69.98%. Within Michigan, Kalamazoo County State Bank is 64th of 72 on loan-to-deposit ratio, 58.15% as of Q2 2026, below the middle of the field. Kalamazoo County State Bank reported 58.15% on loan-to-deposit ratio for Q2 2026, 22.68 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $61.3M |
| Net loans and leases | $60.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.71% |
| Loan-to-deposit ratio | 58.15% |
| Net loans to equity capital | 4.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.97% |
| Multifamily (5+ residential) | 2.09% |
| Commercial and industrial | 7.48% |
| Consumer | 15.68% |
| Credit cards | 0.00% |
| Farm | 2.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.98% |
| Construction concentration (Tier 1 capital + allowance) | 41.95% |
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 | 7.04% |
| Interest income on loans | $1.1M |
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 | $60.6M | $111.2M | 11.70% | 9.30% | 28.93% |
| Q4 2023 | $59.8M | $108.4M | 12.06% | 9.04% | 28.69% |
| Q1 2024 | $60.7M | $110.0M | 12.45% | 8.76% | 27.36% |
| Q2 2024 | $60.2M | $109.5M | 10.78% | 8.54% | 26.81% |
| Q3 2024 | $57.8M | $106.5M | 10.49% | 8.58% | 25.81% |
| Q4 2024 | $56.5M | $108.8M | 11.14% | 8.78% | 24.39% |
| Q1 2025 | $55.9M | $111.0M | 12.52% | 8.63% | 23.17% |
| Q2 2025 | $55.1M | $108.1M | 10.78% | 8.98% | 22.47% |
| Q3 2025 | $55.3M | $112.2M | 10.48% | 8.33% | 20.96% |
| Q4 2025 | $56.1M | $106.7M | 9.45% | 8.66% | 18.90% |
| Q1 2026 | $59.1M | $108.0M | 10.55% | 9.01% | 17.26% |
| Q2 2026 | $61.3M | $105.3M | 10.97% | 7.48% | 15.68% |
Kalamazoo County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kalamazoo County State 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 Kalamazoo County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5892) · FFIEC NIC profile (RSSD 644141)