Superior National 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) climbed 9.71 percentage points in Q2 2026, from 122.89% to 132.60%. It was the largest change from Q1 2026 among the key lines here. Superior National Bank ranks 44th of 72 Michigan banks on loan-to-deposit ratio, in the lower half at 77.06% (Q2 2026). Superior National Bank reported 77.06% on loan-to-deposit ratio for Q2 2026, 11.15 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $679.2M |
| Net loans and leases | $671.1M |
| Loans held for sale | $9.0M |
| Loans to total assets | 65.18% |
| Loan-to-deposit ratio | 77.06% |
| Net loans to equity capital | 5.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.56% |
| Multifamily (5+ residential) | 5.09% |
| Commercial and industrial | 11.36% |
| Consumer | 6.62% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.60% |
| Construction concentration (Tier 1 capital + allowance) | 35.74% |
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 | 6.71% |
| Interest income on loans | $11.2M |
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 | $676.8M | $902.0M | 28.83% | 9.38% | 8.06% |
| Q4 2023 | $670.9M | $865.7M | 28.46% | 9.86% | 8.00% |
| Q1 2024 | $669.6M | $850.2M | 27.96% | 9.89% | 7.93% |
| Q2 2024 | $676.9M | $837.0M | 27.82% | 10.03% | 7.90% |
| Q3 2024 | $672.3M | $860.1M | 27.29% | 9.87% | 7.89% |
| Q4 2024 | $664.9M | $844.0M | 26.81% | 11.15% | 7.68% |
| Q1 2025 | $654.5M | $842.9M | 27.05% | 11.03% | 7.68% |
| Q2 2025 | $678.3M | $842.0M | 27.20% | 10.38% | 7.26% |
| Q3 2025 | $673.1M | $876.6M | 26.19% | 10.69% | 7.05% |
| Q4 2025 | $658.6M | $867.1M | 25.99% | 10.57% | 7.01% |
| Q1 2026 | $659.5M | $886.6M | 26.02% | 11.18% | 6.83% |
| Q2 2026 | $679.2M | $881.5M | 25.56% | 11.36% | 6.62% |
Superior National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Superior National 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 Superior National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5058) · FFIEC NIC profile (RSSD 245557)