State Savings 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 6.07 percentage points in Q2 2026, from 188.63% to 182.56%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, State Savings Bank is 38th of 72 on loan-to-deposit ratio, 83.33% as of Q2 2026, below the middle of the field. State Savings Bank reported 83.33% on loan-to-deposit ratio for Q2 2026, 2.49 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $326.3M |
| Net loans and leases | $323.6M |
| Loans held for sale | $2.5M |
| Loans to total assets | 75.69% |
| Loan-to-deposit ratio | 83.33% |
| Net loans to equity capital | 8.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.83% |
| Multifamily (5+ residential) | 2.13% |
| Commercial and industrial | 8.41% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 1.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.56% |
| Construction concentration (Tier 1 capital + allowance) | 64.07% |
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 | 6.77% |
| Interest income on loans | $5.4M |
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 | $265.0M | $339.6M | 39.87% | 8.47% | 1.04% |
| Q4 2023 | $267.5M | $315.3M | 40.64% | 8.29% | 1.00% |
| Q1 2024 | $273.1M | $325.1M | 39.78% | 8.58% | 1.01% |
| Q2 2024 | $276.9M | $325.0M | 39.73% | 8.80% | 0.92% |
| Q3 2024 | $282.9M | $370.8M | 39.41% | 8.68% | 0.78% |
| Q4 2024 | $277.0M | $339.2M | 38.50% | 8.38% | 0.65% |
| Q1 2025 | $282.5M | $345.6M | 38.75% | 8.14% | 0.60% |
| Q2 2025 | $294.7M | $371.7M | 38.07% | 8.20% | 0.54% |
| Q3 2025 | $295.3M | $405.5M | 37.95% | 7.86% | 0.52% |
| Q4 2025 | $310.9M | $374.2M | 38.80% | 8.16% | 0.47% |
| Q1 2026 | $312.5M | $365.0M | 38.51% | 7.91% | 0.43% |
| Q2 2026 | $326.3M | $391.6M | 37.83% | 8.41% | 0.28% |
State Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Savings 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 State Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8162) · FFIEC NIC profile (RSSD 22543)