West Michigan Community 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): 9.23 percentage points lower than in Q1 2026, at 270.14%. West Michigan Community Bank ranks 12th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 97.27% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. West Michigan Community Bank sits 9.07 points higher, at 97.27% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.04B |
| Net loans and leases | $1.03B |
| Loans held for sale | $1.0M |
| Loans to total assets | 86.17% |
| Loan-to-deposit ratio | 97.27% |
| Net loans to equity capital | 9.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.29% |
| Multifamily (5+ residential) | 8.60% |
| Commercial and industrial | 17.86% |
| Consumer | 0.45% |
| Credit cards | 0.00% |
| Farm | 2.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.14% |
| Construction concentration (Tier 1 capital + allowance) | 48.40% |
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 | 6.20% |
| Interest income on loans | $16.2M |
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 | $820.6M | $809.6M | 45.09% | 18.93% | 0.63% |
| Q4 2023 | $837.6M | $823.0M | 44.49% | 19.48% | 0.68% |
| Q1 2024 | $860.0M | $817.8M | 43.62% | 18.70% | 0.65% |
| Q2 2024 | $870.2M | $865.5M | 43.41% | 19.06% | 0.60% |
| Q3 2024 | $902.1M | $884.5M | 44.68% | 18.79% | 0.56% |
| Q4 2024 | $905.9M | $940.3M | 43.58% | 18.42% | 0.53% |
| Q1 2025 | $924.0M | $925.9M | 45.62% | 17.45% | 0.50% |
| Q2 2025 | $927.0M | $929.8M | 45.98% | 16.73% | 0.67% |
| Q3 2025 | $975.5M | $964.8M | 45.09% | 17.63% | 0.62% |
| Q4 2025 | $1.02B | $1.05B | 45.35% | 17.40% | 0.49% |
| Q1 2026 | $1.04B | $1.05B | 45.57% | 18.53% | 0.47% |
| Q2 2026 | $1.04B | $1.07B | 46.29% | 17.86% | 0.45% |
West Michigan Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Michigan Community 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 West Michigan Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22308) · FFIEC NIC profile (RSSD 715340)