Sidney 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.
CRE concentration (Tier 1 capital + allowance) dropped 9.56 percentage points in Q2 2026, from 84.77% to 75.21%. It was the largest change from Q1 2026 among the key lines here. Sidney State Bank ranks 48th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 75.10% (Q2 2026). Sidney State Bank reported 75.10% on loan-to-deposit ratio for Q2 2026, 5.46 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $92.4M |
| Net loans and leases | $90.9M |
| Loans held for sale | $0 |
| Loans to total assets | 66.64% |
| Loan-to-deposit ratio | 75.10% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.52% |
| Multifamily (5+ residential) | 1.97% |
| Commercial and industrial | 6.60% |
| Consumer | 4.84% |
| Credit cards | 0.00% |
| Farm | 4.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.21% |
| Construction concentration (Tier 1 capital + allowance) | 16.05% |
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 | 7.05% |
| Interest income on loans | $1.7M |
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 | $89.4M | $110.2M | 16.15% | 5.70% | 5.71% |
| Q4 2023 | $89.7M | $115.4M | 13.83% | 8.14% | 5.43% |
| Q1 2024 | $89.7M | $118.3M | 16.16% | 5.76% | 5.54% |
| Q2 2024 | $91.4M | $115.8M | 16.02% | 5.68% | 5.56% |
| Q3 2024 | $92.7M | $116.0M | 16.26% | 5.90% | 5.37% |
| Q4 2024 | $91.4M | $118.0M | 16.41% | 6.63% | 5.39% |
| Q1 2025 | $93.5M | $130.6M | 15.86% | 7.22% | 5.61% |
| Q2 2025 | $95.0M | $132.1M | 16.47% | 6.36% | 5.52% |
| Q3 2025 | $93.6M | $130.3M | 16.25% | 6.18% | 5.54% |
| Q4 2025 | $94.8M | $125.5M | 16.22% | 6.51% | 5.44% |
| Q1 2026 | $95.0M | $127.9M | 16.87% | 7.62% | 5.07% |
| Q2 2026 | $92.4M | $123.1M | 16.52% | 6.60% | 4.84% |
Sidney State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney 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 Sidney State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17232) · FFIEC NIC profile (RSSD 648345)