The Miners 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.
Cre concentration (tier 1 capital + allowance) climbed 5.78 percentage points in Q2 2026, from 242.59% to 248.37%. It was the largest change from Q1 2026 among the key lines here. The Miners State Bank ranks 51st of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 73.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Miners State Bank sits 7.41 points lower, at 73.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.3M |
| Net loans and leases | $85.5M |
| Loans held for sale | $0 |
| Loans to total assets | 64.04% |
| Loan-to-deposit ratio | 73.42% |
| Net loans to equity capital | 5.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.21% |
| Multifamily (5+ residential) | 11.27% |
| Commercial and industrial | 6.38% |
| Consumer | 1.18% |
| Credit cards | 0.01% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 248.37% |
| Construction concentration (Tier 1 capital + allowance) | 51.90% |
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 | $1.4M |
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 | $89.2M | $124.5M | 38.23% | 11.95% | 1.26% |
| Q4 2023 | $93.1M | $119.2M | 39.21% | 9.84% | 1.17% |
| Q1 2024 | $93.1M | $121.0M | 39.21% | 9.47% | 1.14% |
| Q2 2024 | $95.0M | $116.0M | 38.45% | 9.02% | 1.11% |
| Q3 2024 | $95.4M | $127.7M | 39.18% | 7.61% | 1.13% |
| Q4 2024 | $92.6M | $121.5M | 38.13% | 7.86% | 1.07% |
| Q1 2025 | $91.4M | $125.8M | 39.24% | 7.72% | 1.01% |
| Q2 2025 | $91.2M | $125.1M | 39.58% | 7.83% | 1.04% |
| Q3 2025 | $91.5M | $127.7M | 38.97% | 7.70% | 1.00% |
| Q4 2025 | $89.0M | $124.0M | 36.17% | 8.01% | 2.03% |
| Q1 2026 | $88.1M | $124.2M | 37.05% | 7.43% | 1.28% |
| Q2 2026 | $86.3M | $117.6M | 38.21% | 6.38% | 1.18% |
The Miners State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Miners 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 The Miners State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10928) · FFIEC NIC profile (RSSD 255350)