Bank of Mead: 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 4.58 percentage points in Q3 2026, from 46.53% to 51.11%. It was the largest change from Q2 2026 among the key lines here. Bank of Mead has the 10th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 51.11% as of Q3 2026. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Bank of Mead sits 16.81 points lower, at 51.11% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $17.5M |
| Net loans and leases | $17.0M |
| Loans held for sale | $0 |
| Loans to total assets | 45.15% |
| Loan-to-deposit ratio | 51.11% |
| Net loans to equity capital | 4.36% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.89% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.12% |
| Consumer | 6.92% |
| Credit cards | 0.00% |
| Farm | 14.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.90% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $283K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $15.4M | $29.6M | 5.31% | 11.49% | 9.19% |
| Q1 2024 | $15.2M | $31.9M | 5.76% | 9.79% | 9.08% |
| Q2 2024 | $16.0M | $32.7M | 5.40% | 8.81% | 8.97% |
| Q3 2024 | $16.5M | $32.7M | 5.10% | 9.70% | 8.27% |
| Q4 2024 | $16.4M | $32.1M | 5.06% | 8.71% | 7.70% |
| Q1 2025 | $16.0M | $34.7M | 5.31% | 8.56% | 7.61% |
| Q2 2025 | $17.5M | $33.2M | 4.79% | 8.12% | 6.80% |
| Q3 2025 | $17.5M | $33.8M | 4.63% | 7.78% | 7.52% |
| Q4 2025 | $16.1M | $33.6M | 4.95% | 8.07% | 7.67% |
| Q1 2026 | $15.9M | $36.0M | 5.54% | 7.75% | 7.74% |
| Q2 2026 | $16.6M | $35.6M | 5.23% | 7.42% | 7.32% |
| Q3 2026 | $17.5M | $34.2M | 4.89% | 7.12% | 6.92% |
Bank of Mead loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Mead, 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 Mead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13611) · FFIEC NIC profile (RSSD 175458)