Tri-County 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.29 percentage points higher than in Q1 2026, at 144.54%. Tri-County Bank ranks 19th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 94.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Tri-County Bank sits 13.78 points higher, at 94.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $514.7M |
| Net loans and leases | $509.1M |
| Loans held for sale | $314K |
| Loans to total assets | 80.59% |
| Loan-to-deposit ratio | 94.34% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.04% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 8.64% |
| Consumer | 0.66% |
| Credit cards | 0.00% |
| Farm | 12.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 144.54% |
| Construction concentration (Tier 1 capital + allowance) | 34.41% |
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 | 7.47% |
| Interest income on loans | $9.4M |
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 | $382.5M | $455.9M | 46.72% | 13.34% | 1.30% |
| Q4 2023 | $383.7M | $458.9M | 45.77% | 14.43% | 1.22% |
| Q1 2024 | $411.2M | $480.1M | 49.12% | 12.79% | 1.10% |
| Q2 2024 | $416.9M | $483.9M | 49.50% | 14.10% | 1.06% |
| Q3 2024 | $427.2M | $496.3M | 49.42% | 14.32% | 1.01% |
| Q4 2024 | $432.3M | $498.7M | 50.58% | 14.15% | 0.97% |
| Q1 2025 | $435.6M | $515.5M | 51.32% | 15.04% | 0.93% |
| Q2 2025 | $450.2M | $513.3M | 51.48% | 14.73% | 0.89% |
| Q3 2025 | $462.2M | $518.6M | 53.05% | 13.94% | 0.85% |
| Q4 2025 | $473.0M | $517.3M | 54.09% | 11.12% | 0.77% |
| Q1 2026 | $495.7M | $548.7M | 57.01% | 10.11% | 0.68% |
| Q2 2026 | $514.7M | $545.6M | 60.04% | 8.64% | 0.66% |
Tri-County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 977) · FFIEC NIC profile (RSSD 695349)