The State Savings Bank of Manistique: 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): 7.23 percentage points lower than in Q1 2026, at 88.68%. The State Savings Bank of Manistique ranks 62nd of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 60.47% (Q2 2026). The State Savings Bank of Manistique reported 60.47% on loan-to-deposit ratio for Q2 2026, 20.47 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.2M |
| Net loans and leases | $92.2M |
| Loans held for sale | $0 |
| Loans to total assets | 52.28% |
| Loan-to-deposit ratio | 60.47% |
| Net loans to equity capital | 6.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.89% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.76% |
| Consumer | 7.11% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.68% |
| Construction concentration (Tier 1 capital + allowance) | 21.42% |
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 | 6.59% |
| Interest income on loans | $1.5M |
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 | $71.5M | $140.2M | 30.19% | 11.28% | 10.05% |
| Q4 2023 | $74.1M | $138.0M | 31.19% | 11.07% | 9.38% |
| Q1 2024 | $76.3M | $140.2M | 33.12% | 11.49% | 8.56% |
| Q2 2024 | $82.0M | $140.9M | 33.64% | 11.19% | 8.79% |
| Q3 2024 | $84.4M | $140.8M | 34.57% | 11.26% | 8.06% |
| Q4 2024 | $85.3M | $137.7M | 33.87% | 11.06% | 7.82% |
| Q1 2025 | $84.1M | $139.4M | 32.59% | 12.23% | 7.80% |
| Q2 2025 | $85.7M | $138.4M | 34.25% | 10.52% | 8.28% |
| Q3 2025 | $87.2M | $140.6M | 33.61% | 10.47% | 7.86% |
| Q4 2025 | $89.9M | $155.4M | 34.34% | 10.57% | 7.12% |
| Q1 2026 | $94.5M | $159.2M | 35.65% | 10.91% | 6.54% |
| Q2 2026 | $93.2M | $154.1M | 33.89% | 9.76% | 7.11% |
The State Savings Bank of Manistique loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Savings Bank of Manistique, 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 State Savings Bank of Manistique profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13249) · FFIEC NIC profile (RSSD 259956)