The Port Austin 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.
The standout move of Q3 2026 was in State and political subdivisions: 1.26 percentage points higher than in Q2 2026, at 4.59%. The Port Austin State Bank ranks 39th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 83.04% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Port Austin State Bank sits 15.42 points higher, at 83.04% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $46.9M |
| Net loans and leases | $46.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.15% |
| Loan-to-deposit ratio | 83.04% |
| Net loans to equity capital | 3.69% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.99% |
| Consumer | 3.84% |
| Credit cards | 0.00% |
| Farm | 6.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.59% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.22% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.57% |
| Interest income on loans | $640K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $42.2M | $55.3M | 24.68% | 2.51% | 5.06% |
| Q1 2024 | $43.1M | $54.1M | 25.43% | 2.99% | 5.15% |
| Q2 2024 | $44.7M | $56.3M | 24.54% | 2.98% | 5.07% |
| Q3 2024 | $43.8M | $57.9M | 24.57% | 2.49% | 5.06% |
| Q4 2024 | $43.1M | $57.4M | 24.11% | 3.13% | 4.94% |
| Q1 2025 | $42.7M | $56.7M | 23.70% | 3.54% | 4.53% |
| Q2 2025 | $44.3M | $54.6M | 23.41% | 3.70% | 4.40% |
| Q3 2025 | $45.2M | $54.9M | 23.32% | 2.70% | 4.59% |
| Q4 2025 | $44.3M | $53.0M | 21.70% | 2.55% | 4.57% |
| Q1 2026 | $44.6M | $55.4M | 21.35% | 2.36% | 4.39% |
| Q2 2026 | $45.9M | $54.6M | 20.32% | 2.56% | 3.79% |
| Q3 2026 | $46.9M | $56.5M | 19.29% | 1.99% | 3.84% |
The Port Austin State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Port Austin 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 Port Austin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14999) · FFIEC NIC profile (RSSD 779641)