American Exchange 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 43.80 percentage points higher than in Q2 2026, at 45.91%. American Exchange Bank ranks 57th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 89.48% (Q3 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. American Exchange Bank sits 21.56 points higher, at 89.48% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $53.5M |
| Net loans and leases | $52.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.55% |
| Loan-to-deposit ratio | 89.48% |
| Net loans to equity capital | 7.91% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.87% |
| Consumer | 2.26% |
| Credit cards | 0.00% |
| Farm | 23.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.91% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.81% |
| Interest income on loans | $853K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $38.9M | $50.9M | 26.00% | 17.16% | 3.86% |
| Q1 2024 | $36.9M | $55.6M | 26.69% | 17.54% | 4.16% |
| Q2 2024 | $40.8M | $50.6M | 25.91% | 19.41% | 3.72% |
| Q3 2024 | $44.6M | $51.0M | 27.54% | 16.04% | 3.69% |
| Q4 2024 | $45.1M | $56.5M | 24.41% | 15.16% | 3.76% |
| Q1 2025 | $44.7M | $60.3M | 25.50% | 16.81% | 3.15% |
| Q2 2025 | $46.2M | $55.8M | 22.54% | 20.73% | 3.02% |
| Q3 2025 | $48.7M | $53.3M | 21.17% | 19.95% | 2.80% |
| Q4 2025 | $50.8M | $56.5M | 20.31% | 19.58% | 2.67% |
| Q1 2026 | $47.4M | $67.2M | 19.48% | 22.15% | 2.59% |
| Q2 2026 | $48.3M | $61.8M | 17.76% | 22.40% | 2.66% |
| Q3 2026 | $53.5M | $59.8M | 20.45% | 18.87% | 2.26% |
American Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Exchange 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 American Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10647) · FFIEC NIC profile (RSSD 1014451)