Adams Bank & Trust: 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 Loan-to-deposit ratio: 4.27 percentage points higher than in Q1 2026, at 83.48%. Within Nebraska, Adams Bank & Trust is 82nd of 138 on loan-to-deposit ratio, 83.48% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Adams Bank & Trust sits 4.72 points lower, at 83.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $916.8M |
| Net loans and leases | $904.8M |
| Loans held for sale | $1.5M |
| Loans to total assets | 70.99% |
| Loan-to-deposit ratio | 83.48% |
| Net loans to equity capital | 4.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.00% |
| Multifamily (5+ residential) | 2.98% |
| Commercial and industrial | 7.51% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 8.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.50% |
| Construction concentration (Tier 1 capital + allowance) | 34.10% |
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 | 6.95% |
| Interest income on loans | $15.6M |
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 | $849.6M | $1.16B | 35.73% | 9.95% | 1.35% |
| Q4 2023 | $865.9M | $1.18B | 36.00% | 9.54% | 1.33% |
| Q1 2024 | $846.0M | $1.15B | 38.44% | 9.22% | 1.32% |
| Q2 2024 | $854.9M | $1.13B | 38.07% | 9.41% | 1.30% |
| Q3 2024 | $847.6M | $1.16B | 40.76% | 8.74% | 1.31% |
| Q4 2024 | $857.6M | $1.15B | 40.68% | 8.37% | 1.29% |
| Q1 2025 | $840.2M | $1.11B | 41.27% | 8.23% | 1.24% |
| Q2 2025 | $863.4M | $1.08B | 40.46% | 7.88% | 1.18% |
| Q3 2025 | $868.9M | $1.09B | 39.76% | 7.78% | 1.08% |
| Q4 2025 | $894.8M | $1.14B | 38.71% | 7.66% | 0.95% |
| Q1 2026 | $897.9M | $1.13B | 38.21% | 7.67% | 0.92% |
| Q2 2026 | $916.8M | $1.10B | 38.00% | 7.51% | 0.84% |
Adams Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams Bank & Trust, 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 Adams Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18489) · FFIEC NIC profile (RSSD 463650)