Bank of Dixon County: 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.
Loan-to-deposit ratio climbed 3.72 percentage points in Q2 2026, from 74.98% to 78.70%. It was the largest change from Q1 2026 among the key lines here. Bank of Dixon County ranks 95th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 78.70% (Q2 2026). At 78.70%, Bank of Dixon County's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.7M |
| Net loans and leases | $94.6M |
| Loans held for sale | $0 |
| Loans to total assets | 67.54% |
| Loan-to-deposit ratio | 78.70% |
| Net loans to equity capital | 5.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.89% |
| Multifamily (5+ residential) | 0.82% |
| Commercial and industrial | 12.96% |
| Consumer | 7.20% |
| Credit cards | 0.48% |
| Farm | 11.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.04% |
| Construction concentration (Tier 1 capital + allowance) | 10.22% |
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 | 6.97% |
| 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 | $84.2M | $105.8M | 5.75% | 15.18% | 7.83% |
| Q4 2023 | $84.4M | $108.4M | 5.33% | 15.59% | 7.67% |
| Q1 2024 | $84.5M | $111.5M | 5.13% | 15.49% | 7.98% |
| Q2 2024 | $89.2M | $109.2M | 5.01% | 14.26% | 7.90% |
| Q3 2024 | $90.0M | $110.7M | 5.81% | 14.79% | 7.93% |
| Q4 2024 | $87.9M | $114.3M | 6.09% | 13.90% | 7.83% |
| Q1 2025 | $86.5M | $110.0M | 6.28% | 13.78% | 7.92% |
| Q2 2025 | $90.0M | $110.3M | 5.74% | 14.68% | 7.83% |
| Q3 2025 | $89.7M | $110.4M | 6.57% | 12.47% | 7.53% |
| Q4 2025 | $90.3M | $113.6M | 6.44% | 12.11% | 7.13% |
| Q1 2026 | $89.8M | $119.8M | 6.28% | 11.98% | 7.44% |
| Q2 2026 | $95.7M | $121.6M | 6.89% | 12.96% | 7.20% |
Bank of Dixon County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Dixon County, 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 Bank of Dixon County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14912) · FFIEC NIC profile (RSSD 920359)