Bank of Lindsay: 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: 4.09 percentage points higher than in Q1 2026, at 110.87%. On loan-to-deposit ratio, Bank of Lindsay ranks 3rd highest among the 138 banks headquartered in Nebraska, at 110.87% (Q2 2026). Bank of Lindsay's loan-to-deposit ratio of 110.87% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 43.25 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.9M |
| Net loans and leases | $78.2M |
| Loans held for sale | $0 |
| Loans to total assets | 80.63% |
| Loan-to-deposit ratio | 110.87% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.53% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 34.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.09% |
| Interest income on loans | $1.2M |
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 | $74.1M | $61.7M | 0.75% | 6.94% | 2.32% |
| Q4 2023 | $79.2M | $63.9M | 0.69% | 6.70% | 2.30% |
| Q1 2024 | $73.9M | $63.4M | 0.73% | 7.10% | 2.40% |
| Q2 2024 | $77.1M | $61.6M | 0.69% | 9.95% | 2.25% |
| Q3 2024 | $81.0M | $65.4M | 0.64% | 9.94% | 2.47% |
| Q4 2024 | $87.6M | $66.3M | 0.58% | 9.13% | 2.53% |
| Q1 2025 | $78.6M | $64.6M | 0.63% | 8.82% | 3.75% |
| Q2 2025 | $73.6M | $64.7M | 0.67% | 11.88% | 2.82% |
| Q3 2025 | $84.9M | $64.7M | 0.57% | 12.21% | 2.43% |
| Q4 2025 | $80.9M | $71.3M | 0.58% | 11.86% | 2.54% |
| Q1 2026 | $79.2M | $74.2M | 0.58% | 11.27% | 2.73% |
| Q2 2026 | $78.9M | $71.2M | 0.57% | 11.53% | 2.87% |
Bank of Lindsay loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lindsay, 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 Lindsay profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19087) · FFIEC NIC profile (RSSD 111157)