Adams 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.
Farm climbed 2.65 percentage points in Q2 2026, from 18.36% to 21.01%. It was the largest change from Q1 2026 among the key lines here. Adams State Bank ranks 47th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.73% (Q2 2026). Adams State Bank reported 90.73% on loan-to-deposit ratio for Q2 2026, 23.11 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.2M |
| Net loans and leases | $48.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.15% |
| Loan-to-deposit ratio | 90.73% |
| Net loans to equity capital | 4.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.68% |
| Consumer | 8.10% |
| Credit cards | 0.00% |
| Farm | 21.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.19% |
| Construction concentration (Tier 1 capital + allowance) | 1.07% |
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 | 6.54% |
| Interest income on loans | $800K |
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 | $44.0M | $53.0M | 0.00% | 10.59% | 7.56% |
| Q4 2023 | $45.4M | $49.2M | 0.00% | 9.78% | 7.36% |
| Q1 2024 | $43.7M | $52.9M | 0.00% | 9.17% | 7.61% |
| Q2 2024 | $44.9M | $54.4M | 0.00% | 9.80% | 7.97% |
| Q3 2024 | $47.1M | $55.7M | 0.00% | 8.20% | 7.74% |
| Q4 2024 | $49.5M | $52.2M | 0.00% | 7.98% | 7.98% |
| Q1 2025 | $47.9M | $55.5M | 0.00% | 8.38% | 7.83% |
| Q2 2025 | $48.0M | $52.8M | 0.00% | 8.32% | 7.75% |
| Q3 2025 | $50.8M | $52.5M | 0.00% | 7.71% | 7.20% |
| Q4 2025 | $51.3M | $50.7M | 0.00% | 7.38% | 7.09% |
| Q1 2026 | $49.8M | $54.1M | 0.00% | 7.76% | 7.56% |
| Q2 2026 | $49.2M | $54.2M | 0.00% | 7.68% | 8.10% |
Adams State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Adams 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 Adams State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9812) · FFIEC NIC profile (RSSD 332756)