Northstar 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): 4.70 percentage points lower than in Q1 2026, at 33.37%. Among 72 Michigan banks, Northstar Bank sits 7th from the top on loan-to-deposit ratio, 102.34% as of Q2 2026. Northstar Bank reported 102.34% on loan-to-deposit ratio for Q2 2026, 14.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $996.3M |
| Net loans and leases | $983.0M |
| Loans held for sale | $448K |
| Loans to total assets | 85.79% |
| Loan-to-deposit ratio | 102.34% |
| Net loans to equity capital | 9.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.84% |
| Multifamily (5+ residential) | 4.79% |
| Commercial and industrial | 14.90% |
| Consumer | 0.94% |
| Credit cards | 0.00% |
| Farm | 5.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 272.04% |
| Construction concentration (Tier 1 capital + allowance) | 33.37% |
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 | 6.21% |
| Interest income on loans | $15.1M |
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 | $780.8M | $852.4M | 44.61% | 18.08% | 1.38% |
| Q4 2023 | $786.5M | $859.6M | 44.59% | 17.57% | 1.38% |
| Q1 2024 | $778.6M | $882.5M | 45.76% | 16.22% | 1.38% |
| Q2 2024 | $803.7M | $878.1M | 45.27% | 17.02% | 1.37% |
| Q3 2024 | $852.5M | $921.2M | 45.65% | 16.29% | 1.29% |
| Q4 2024 | $865.3M | $907.3M | 46.34% | 15.42% | 1.20% |
| Q1 2025 | $870.0M | $906.5M | 46.98% | 15.15% | 1.17% |
| Q2 2025 | $889.8M | $861.2M | 46.15% | 15.37% | 1.12% |
| Q3 2025 | $955.9M | $936.9M | 45.07% | 16.96% | 1.01% |
| Q4 2025 | $965.0M | $943.6M | 47.02% | 14.80% | 0.97% |
| Q1 2026 | $974.4M | $979.9M | 46.85% | 15.63% | 0.93% |
| Q2 2026 | $996.3M | $973.6M | 48.84% | 14.90% | 0.94% |
Northstar Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northstar 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 Northstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57097) · FFIEC NIC profile (RSSD 2958972)