Mi 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): 12.59 percentage points higher than in Q1 2026, at 270.68%. Within Michigan, Mi Bank is 17th of 72 on loan-to-deposit ratio, 94.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Mi Bank sits 14.17 points higher, at 94.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $209.3M |
| Net loans and leases | $206.9M |
| Loans held for sale | $0 |
| Loans to total assets | 85.24% |
| Loan-to-deposit ratio | 94.73% |
| Net loans to equity capital | 9.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.29% |
| Multifamily (5+ residential) | 11.01% |
| Commercial and industrial | 25.09% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.68% |
| Construction concentration (Tier 1 capital + allowance) | 28.92% |
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 | 6.19% |
| Interest income on loans | $2.6M |
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 | $161.4M | $209.3M | 38.59% | 21.14% | 0.00% |
| Q4 2023 | $171.4M | $214.0M | 36.98% | 24.18% | 0.00% |
| Q1 2024 | $181.0M | $205.9M | 36.08% | 23.59% | 0.00% |
| Q2 2024 | $187.5M | $206.4M | 33.67% | 23.45% | 0.00% |
| Q3 2024 | $199.3M | $215.8M | 36.55% | 22.30% | 0.00% |
| Q4 2024 | $205.9M | $251.7M | 33.94% | 26.00% | 0.00% |
| Q1 2025 | $193.6M | $237.0M | 36.36% | 26.99% | 0.00% |
| Q2 2025 | $210.2M | $228.4M | 37.58% | 26.13% | 0.00% |
| Q3 2025 | $207.6M | $220.4M | 38.23% | 25.90% | 0.00% |
| Q4 2025 | $203.3M | $269.1M | 37.12% | 27.64% | 0.00% |
| Q1 2026 | $198.2M | $232.9M | 36.54% | 27.38% | 0.00% |
| Q2 2026 | $209.3M | $220.9M | 37.29% | 25.09% | 0.00% |
Mi Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mi 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 Mi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59138) · FFIEC NIC profile (RSSD 5332603)