Northern Interstate Bank, N.A.: 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): 2.90 percentage points lower than in Q1 2026, at 119.29%. On loan-to-deposit ratio, Northern Interstate Bank, N.A. is 6th from the bottom among 72 Michigan banks, 47.90% (Q2 2026). Northern Interstate Bank, N.A. reported 47.90% on loan-to-deposit ratio for Q2 2026, 33.05 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $81.8M |
| Net loans and leases | $81.0M |
| Loans held for sale | $0 |
| Loans to total assets | 42.29% |
| Loan-to-deposit ratio | 47.90% |
| Net loans to equity capital | 7.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.48% |
| Multifamily (5+ residential) | 4.64% |
| Commercial and industrial | 7.16% |
| Consumer | 4.69% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.29% |
| Construction concentration (Tier 1 capital + allowance) | 18.50% |
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 | 6.60% |
| 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 | $65.6M | $165.2M | 21.20% | 14.08% | 4.22% |
| Q4 2023 | $67.9M | $157.4M | 21.38% | 13.32% | 3.92% |
| Q1 2024 | $70.3M | $162.6M | 23.56% | 11.91% | 4.10% |
| Q2 2024 | $70.2M | $160.5M | 22.12% | 11.32% | 4.01% |
| Q3 2024 | $74.6M | $159.6M | 22.90% | 11.31% | 4.79% |
| Q4 2024 | $76.0M | $161.3M | 25.99% | 9.89% | 3.47% |
| Q1 2025 | $75.5M | $167.1M | 24.05% | 9.17% | 4.00% |
| Q2 2025 | $74.7M | $175.5M | 24.21% | 6.86% | 4.34% |
| Q3 2025 | $77.7M | $174.8M | 23.45% | 8.02% | 4.07% |
| Q4 2025 | $79.0M | $168.8M | 22.42% | 8.19% | 4.22% |
| Q1 2026 | $81.2M | $176.0M | 22.76% | 6.54% | 4.96% |
| Q2 2026 | $81.8M | $170.8M | 22.48% | 7.16% | 4.69% |
Northern Interstate Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Interstate Bank, N.A., 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 Northern Interstate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13784) · FFIEC NIC profile (RSSD 289056)