Sturgis Bank & Trust Company: 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) climbed 14.19 percentage points in Q2 2026, from 69.72% to 83.91%. It was the largest change from Q1 2026 among the key lines here. Sturgis Bank & Trust Company ranks 34th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 86.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Sturgis Bank & Trust Company reported 86.09% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $768.8M |
| Net loans and leases | $760.4M |
| Loans held for sale | $5.3M |
| Loans to total assets | 74.72% |
| Loan-to-deposit ratio | 86.09% |
| Net loans to equity capital | 9.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.30% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.69% |
| Consumer | 1.90% |
| Credit cards | 0.00% |
| Farm | 0.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.91% |
| Construction concentration (Tier 1 capital + allowance) | 51.89% |
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 | 5.71% |
| Interest income on loans | $11.4M |
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 | $746.7M | $809.8M | 28.37% | 5.90% | 1.50% |
| Q4 2023 | $751.9M | $799.3M | 28.68% | 6.08% | 1.42% |
| Q1 2024 | $756.7M | $807.6M | 28.85% | 5.12% | 1.37% |
| Q2 2024 | $764.7M | $800.7M | 29.12% | 4.82% | 1.33% |
| Q3 2024 | $765.8M | $809.2M | 28.98% | 4.57% | 1.31% |
| Q4 2024 | $781.4M | $813.9M | 27.85% | 4.46% | 1.91% |
| Q1 2025 | $775.6M | $842.5M | 27.72% | 4.26% | 1.84% |
| Q2 2025 | $790.7M | $882.5M | 27.62% | 4.35% | 1.69% |
| Q3 2025 | $796.3M | $894.9M | 26.97% | 3.97% | 1.61% |
| Q4 2025 | $793.5M | $892.9M | 26.45% | 4.44% | 1.68% |
| Q1 2026 | $798.8M | $908.4M | 26.49% | 4.24% | 1.60% |
| Q2 2026 | $768.8M | $893.0M | 26.30% | 4.69% | 1.90% |
Sturgis Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sturgis Bank & Trust Company, 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 Sturgis Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28593) · FFIEC NIC profile (RSSD 366078)