Upper Peninsula State 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 Construction concentration (Tier 1 capital + allowance): 3.08 percentage points lower than in Q1 2026, at 26.81%. Upper Peninsula State Bank ranks 9th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 101.79% (Q2 2026). Upper Peninsula State Bank reported 101.79% on loan-to-deposit ratio for Q2 2026, 20.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $309.0M |
| Net loans and leases | $305.0M |
| Loans held for sale | $0 |
| Loans to total assets | 83.14% |
| Loan-to-deposit ratio | 101.79% |
| Net loans to equity capital | 6.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.81% |
| Multifamily (5+ residential) | 5.92% |
| Commercial and industrial | 3.44% |
| Consumer | 3.16% |
| Credit cards | 0.00% |
| Farm | 0.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.52% |
| Construction concentration (Tier 1 capital + allowance) | 26.81% |
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 | 6.82% |
| Interest income on loans | $5.1M |
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 | $220.7M | $248.6M | 65.77% | 5.12% | 6.08% |
| Q4 2023 | $231.1M | $253.1M | 65.47% | 5.36% | 5.56% |
| Q1 2024 | $243.4M | $260.2M | 65.31% | 6.42% | 5.22% |
| Q2 2024 | $250.9M | $267.9M | 61.01% | 5.75% | 5.05% |
| Q3 2024 | $253.4M | $272.1M | 46.94% | 5.64% | 4.74% |
| Q4 2024 | $261.4M | $273.2M | 46.62% | 4.85% | 4.60% |
| Q1 2025 | $266.7M | $295.0M | 47.58% | 4.86% | 4.42% |
| Q2 2025 | $276.5M | $290.3M | 45.81% | 4.74% | 3.88% |
| Q3 2025 | $285.6M | $296.7M | 46.01% | 4.79% | 3.74% |
| Q4 2025 | $293.0M | $289.7M | 46.16% | 4.68% | 3.50% |
| Q1 2026 | $297.1M | $298.5M | 45.71% | 3.73% | 3.39% |
| Q2 2026 | $309.0M | $303.6M | 47.81% | 3.44% | 3.16% |
Upper Peninsula State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Upper Peninsula State 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 Upper Peninsula State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1090) · FFIEC NIC profile (RSSD 236957)