Bank of Hartington: 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.
Cre concentration (tier 1 capital + allowance) dropped 2.63 percentage points in Q2 2026, from 54.76% to 52.13%. It was the largest change from Q1 2026 among the key lines here. Bank of Hartington ranks 86th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 82.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Bank of Hartington reported 82.51% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.0M |
| Net loans and leases | $111.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.82% |
| Loan-to-deposit ratio | 82.51% |
| Net loans to equity capital | 8.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.38% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 14.28% |
| Consumer | 2.30% |
| Credit cards | 0.00% |
| Farm | 14.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.13% |
| Construction concentration (Tier 1 capital + allowance) | 9.85% |
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 | 7.42% |
| Interest income on loans | $2.1M |
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 | $82.2M | $121.8M | 9.04% | 17.27% | 2.49% |
| Q4 2023 | $90.2M | $116.6M | 8.73% | 15.77% | 2.40% |
| Q1 2024 | $89.0M | $120.4M | 8.85% | 16.31% | 2.68% |
| Q2 2024 | $91.4M | $123.9M | 8.72% | 15.98% | 2.64% |
| Q3 2024 | $94.4M | $118.7M | 8.28% | 15.94% | 2.58% |
| Q4 2024 | $104.5M | $115.2M | 7.75% | 14.69% | 2.33% |
| Q1 2025 | $100.2M | $120.0M | 8.22% | 15.31% | 2.44% |
| Q2 2025 | $102.7M | $122.9M | 7.99% | 15.61% | 2.33% |
| Q3 2025 | $106.9M | $118.8M | 8.04% | 13.50% | 2.32% |
| Q4 2025 | $119.0M | $128.5M | 6.70% | 12.95% | 2.10% |
| Q1 2026 | $107.8M | $133.7M | 7.60% | 14.56% | 2.41% |
| Q2 2026 | $113.0M | $136.9M | 7.38% | 14.28% | 2.30% |
Bank of Hartington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hartington, 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 Hartington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13962) · FFIEC NIC profile (RSSD 7456)