Peoples State Bank of Munising: 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): 5.56 percentage points lower than in Q1 2026, at 179.46%. Peoples State Bank of Munising ranks 41st of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.97% (Q2 2026). Peoples State Bank of Munising reported 77.97% on loan-to-deposit ratio for Q2 2026, 2.87 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.7M |
| Net loans and leases | $108.5M |
| Loans held for sale | $0 |
| Loans to total assets | 58.17% |
| Loan-to-deposit ratio | 77.97% |
| Net loans to equity capital | 4.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.86% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.73% |
| Consumer | 3.52% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.46% |
| Construction concentration (Tier 1 capital + allowance) | 12.81% |
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 | 6.34% |
| Interest income on loans | $1.8M |
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 | $115.9M | $175.9M | 50.98% | 17.41% | 5.10% |
| Q4 2023 | $112.6M | $158.3M | 50.20% | 17.02% | 4.99% |
| Q1 2024 | $115.7M | $152.8M | 50.20% | 16.54% | 4.92% |
| Q2 2024 | $119.2M | $151.9M | 54.12% | 15.61% | 4.72% |
| Q3 2024 | $115.6M | $155.6M | 60.44% | 13.61% | 4.86% |
| Q4 2024 | $116.8M | $146.9M | 60.21% | 13.91% | 4.60% |
| Q1 2025 | $115.3M | $153.0M | 59.33% | 14.56% | 4.32% |
| Q2 2025 | $114.5M | $149.9M | 60.06% | 14.65% | 4.05% |
| Q3 2025 | $114.1M | $152.5M | 61.30% | 14.69% | 3.86% |
| Q4 2025 | $107.1M | $139.2M | 58.56% | 15.93% | 3.82% |
| Q1 2026 | $110.8M | $143.3M | 60.41% | 15.59% | 3.47% |
| Q2 2026 | $110.7M | $142.0M | 60.86% | 14.73% | 3.52% |
Peoples State Bank of Munising loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Munising, 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 Peoples State Bank of Munising profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15165) · FFIEC NIC profile (RSSD 262956)