Auburn 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.
The standout move of Q2 2026 was in Commercial and industrial: 1.02 percentage points lower than in Q1 2026, at 1.86%. Auburn State Bank has the 11th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 50.50% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Auburn State Bank sits 30.06 points lower, at 50.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.5M |
| Net loans and leases | $108.1M |
| Loans held for sale | $0 |
| Loans to total assets | 43.58% |
| Loan-to-deposit ratio | 50.50% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.36% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 1.86% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 41.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.78% |
| Construction concentration (Tier 1 capital + allowance) | 4.37% |
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 | 5.87% |
| Interest income on loans | $1.6M |
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 | $98.5M | $217.8M | 4.96% | 2.50% | 1.96% |
| Q4 2023 | $103.2M | $219.2M | 4.65% | 2.48% | 1.83% |
| Q1 2024 | $104.3M | $223.1M | 4.57% | 1.86% | 1.93% |
| Q2 2024 | $105.0M | $222.2M | 4.65% | 1.87% | 2.54% |
| Q3 2024 | $105.6M | $224.1M | 4.50% | 1.63% | 2.15% |
| Q4 2024 | $109.2M | $225.5M | 4.38% | 1.36% | 1.99% |
| Q1 2025 | $107.2M | $229.2M | 4.89% | 1.48% | 1.91% |
| Q2 2025 | $110.9M | $230.0M | 4.58% | 1.91% | 1.70% |
| Q3 2025 | $111.0M | $227.6M | 4.51% | 1.96% | 1.64% |
| Q4 2025 | $112.3M | $221.4M | 4.37% | 2.63% | 1.71% |
| Q1 2026 | $110.6M | $217.8M | 4.38% | 2.88% | 1.72% |
| Q2 2026 | $109.5M | $216.9M | 4.36% | 1.86% | 1.92% |
Auburn State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn 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 Auburn State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11477) · FFIEC NIC profile (RSSD 979151)