Bank of Elgin: 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.
Construction concentration (tier 1 capital + allowance) dropped 5.56 percentage points in Q2 2026, from 30.31% to 24.74%. It was the largest change from Q1 2026 among the key lines here. Bank of Elgin ranks 100th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 77.76% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Bank of Elgin sits 9.83 points higher, at 77.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $58.1M |
| Net loans and leases | $57.3M |
| Loans held for sale | $0 |
| Loans to total assets | 66.54% |
| Loan-to-deposit ratio | 77.76% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.39% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.98% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 46.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.57% |
| Construction concentration (Tier 1 capital + allowance) | 24.74% |
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 | 6.52% |
| Interest income on loans | $922K |
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 | $44.0M | $63.5M | 0.94% | 7.15% | 1.68% |
| Q4 2023 | $52.0M | $74.0M | 1.23% | 4.85% | 1.35% |
| Q1 2024 | $45.4M | $65.4M | 0.92% | 5.07% | 1.60% |
| Q2 2024 | $50.0M | $64.4M | 1.48% | 4.84% | 1.60% |
| Q3 2024 | $51.5M | $64.5M | 1.43% | 4.61% | 1.42% |
| Q4 2024 | $60.0M | $69.3M | 0.68% | 3.66% | 1.15% |
| Q1 2025 | $51.8M | $64.4M | 1.50% | 3.97% | 1.21% |
| Q2 2025 | $55.0M | $65.8M | 1.25% | 3.81% | 1.43% |
| Q3 2025 | $56.0M | $68.2M | 0.84% | 3.44% | 1.62% |
| Q4 2025 | $60.3M | $73.5M | 0.69% | 2.99% | 1.33% |
| Q1 2026 | $55.9M | $72.2M | 0.31% | 3.35% | 1.32% |
| Q2 2026 | $58.1M | $74.7M | 0.39% | 4.98% | 1.21% |
Bank of Elgin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Elgin, 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 Elgin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16154) · FFIEC NIC profile (RSSD 485054)