West Shore 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.
Loans held for sale dropped 46.5% in Q2 2026, from $2.3M to $1.2M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, West Shore Bank is 28th of 72 on loan-to-deposit ratio, 91.56% as of Q2 2026. West Shore Bank reported 91.56% on loan-to-deposit ratio for Q2 2026, 11.01 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $659.4M |
| Net loans and leases | $653.2M |
| Loans held for sale | $1.2M |
| Loans to total assets | 79.11% |
| Loan-to-deposit ratio | 91.56% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.12% |
| Multifamily (5+ residential) | 4.15% |
| Commercial and industrial | 17.25% |
| Consumer | 1.98% |
| Credit cards | 0.00% |
| Farm | 0.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.54% |
| Construction concentration (Tier 1 capital + allowance) | 53.10% |
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 | 6.37% |
| Interest income on loans | $10.3M |
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 | $494.1M | $618.7M | 35.50% | 19.69% | 3.65% |
| Q4 2023 | $497.5M | $594.8M | 35.52% | 19.44% | 3.53% |
| Q1 2024 | $518.8M | $600.4M | 36.22% | 18.96% | 3.36% |
| Q2 2024 | $556.6M | $672.9M | 36.26% | 19.47% | 3.11% |
| Q3 2024 | $564.6M | $704.1M | 41.34% | 18.74% | 2.95% |
| Q4 2024 | $570.9M | $659.1M | 42.04% | 18.70% | 2.77% |
| Q1 2025 | $592.0M | $658.6M | 42.52% | 18.51% | 2.56% |
| Q2 2025 | $598.9M | $652.1M | 42.13% | 17.53% | 2.49% |
| Q3 2025 | $606.0M | $700.4M | 41.94% | 17.25% | 2.45% |
| Q4 2025 | $640.0M | $685.5M | 41.54% | 17.17% | 2.26% |
| Q1 2026 | $642.4M | $696.6M | 40.49% | 17.32% | 2.19% |
| Q2 2026 | $659.4M | $720.2M | 39.12% | 17.25% | 1.98% |
West Shore Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Shore 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 Shore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14929) · FFIEC NIC profile (RSSD 832546)