American Interstate 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.
Commercial and industrial climbed 4.95 percentage points in Q2 2026, from 13.55% to 18.50%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, American Interstate Bank is 112th of 138 on loan-to-deposit ratio, 69.83% as of Q2 2026, below the middle of the field. American Interstate Bank reported 69.83% on loan-to-deposit ratio for Q2 2026, 11.01 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.5M |
| Net loans and leases | $72.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.68% |
| Loan-to-deposit ratio | 69.83% |
| Net loans to equity capital | 2.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.30% |
| Multifamily (5+ residential) | 0.87% |
| Commercial and industrial | 18.50% |
| Consumer | 0.34% |
| Credit cards | 0.00% |
| Farm | 2.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.48% |
| Construction concentration (Tier 1 capital + allowance) | 43.86% |
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 | 7.39% |
| Interest income on loans | $1.3M |
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 | $87.3M | $84.6M | 26.27% | 10.34% | 1.23% |
| Q4 2023 | $87.5M | $86.9M | 26.36% | 10.78% | 0.40% |
| Q1 2024 | $87.3M | $81.3M | 22.43% | 10.58% | 0.37% |
| Q2 2024 | $84.6M | $117.5M | 23.33% | 11.34% | 0.34% |
| Q3 2024 | $70.3M | $103.2M | 23.07% | 13.14% | 0.45% |
| Q4 2024 | $69.6M | $92.4M | 21.02% | 12.11% | 0.40% |
| Q1 2025 | $72.4M | $97.1M | 24.31% | 10.94% | 0.29% |
| Q2 2025 | $68.9M | $115.6M | 22.21% | 11.92% | 0.29% |
| Q3 2025 | $68.1M | $98.5M | 22.32% | 11.60% | 0.39% |
| Q4 2025 | $68.2M | $109.7M | 21.73% | 15.17% | 0.33% |
| Q1 2026 | $67.5M | $102.4M | 28.97% | 13.55% | 0.48% |
| Q2 2026 | $73.5M | $105.3M | 25.30% | 18.50% | 0.34% |
American Interstate Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Interstate 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 Interstate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1439) · FFIEC NIC profile (RSSD 547251)