Range 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 Loans held for sale: 174.6% higher than in Q1 2026, at $5.5M. Within Michigan, Range Bank is 52nd of 72 on loan-to-deposit ratio, 72.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Range Bank sits 8.15 points lower, at 72.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $377.6M |
| Net loans and leases | $372.5M |
| Loans held for sale | $5.5M |
| Loans to total assets | 62.50% |
| Loan-to-deposit ratio | 72.40% |
| Net loans to equity capital | 5.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.26% |
| Multifamily (5+ residential) | 10.82% |
| Commercial and industrial | 10.52% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.09% |
| Construction concentration (Tier 1 capital + allowance) | 52.97% |
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 | $6.0M |
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 | $339.3M | $518.4M | 33.13% | 11.92% | 1.77% |
| Q4 2023 | $335.9M | $495.8M | 35.08% | 10.57% | 1.79% |
| Q1 2024 | $337.1M | $510.3M | 34.23% | 12.66% | 1.76% |
| Q2 2024 | $336.9M | $493.3M | 34.30% | 12.57% | 1.67% |
| Q3 2024 | $345.4M | $534.8M | 35.91% | 11.70% | 1.65% |
| Q4 2024 | $343.9M | $513.2M | 35.81% | 10.96% | 1.54% |
| Q1 2025 | $351.0M | $530.6M | 35.23% | 11.75% | 1.44% |
| Q2 2025 | $360.5M | $513.0M | 36.47% | 11.01% | 1.38% |
| Q3 2025 | $369.7M | $557.4M | 35.98% | 9.82% | 1.29% |
| Q4 2025 | $377.5M | $533.8M | 37.08% | 9.54% | 1.29% |
| Q1 2026 | $383.1M | $538.8M | 36.81% | 10.26% | 1.25% |
| Q2 2026 | $377.6M | $521.5M | 36.26% | 10.52% | 1.23% |
Range Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Range 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 Range Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5072) · FFIEC NIC profile (RSSD 355559)