Arbor 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 Q2 2026 was in Loan-to-deposit ratio: 7.35 percentage points higher than in Q1 2026, at 98.26%. Arbor Bank ranks 19th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 98.26% (Q2 2026). Arbor Bank reported 98.26% on loan-to-deposit ratio for Q2 2026, 17.70 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $597.2M |
| Net loans and leases | $591.3M |
| Loans held for sale | $10.3M |
| Loans to total assets | 85.11% |
| Loan-to-deposit ratio | 98.26% |
| Net loans to equity capital | 9.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.80% |
| Multifamily (5+ residential) | 1.25% |
| Commercial and industrial | 22.38% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 18.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.68% |
| Construction concentration (Tier 1 capital + allowance) | 53.84% |
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 | 6.36% |
| Interest income on loans | $9.3M |
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 | $482.9M | $514.2M | 21.91% | 19.83% | 1.10% |
| Q4 2023 | $480.0M | $504.4M | 21.43% | 20.10% | 1.00% |
| Q1 2024 | $491.8M | $540.0M | 20.88% | 21.72% | 0.89% |
| Q2 2024 | $494.1M | $541.3M | 21.52% | 20.60% | 0.91% |
| Q3 2024 | $515.7M | $558.1M | 22.82% | 21.78% | 0.76% |
| Q4 2024 | $510.7M | $547.6M | 22.78% | 20.69% | 0.69% |
| Q1 2025 | $517.1M | $558.2M | 22.48% | 20.39% | 0.63% |
| Q2 2025 | $532.1M | $556.8M | 23.58% | 19.11% | 0.61% |
| Q3 2025 | $555.9M | $566.2M | 22.96% | 20.33% | 0.58% |
| Q4 2025 | $569.5M | $558.9M | 23.19% | 20.55% | 0.44% |
| Q1 2026 | $574.3M | $631.8M | 23.87% | 20.17% | 0.41% |
| Q2 2026 | $597.2M | $607.8M | 22.80% | 22.38% | 0.39% |
Arbor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Arbor 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 Arbor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33450) · FFIEC NIC profile (RSSD 1872941)