Bank of Prague: 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: 3.69 percentage points higher than in Q1 2026, at 80.81%. Bank of Prague ranks 90th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 80.81% (Q2 2026). Bank of Prague reported 80.81% on loan-to-deposit ratio for Q2 2026, 13.18 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.7M |
| Net loans and leases | $34.4M |
| Loans held for sale | $0 |
| Loans to total assets | 71.67% |
| Loan-to-deposit ratio | 80.81% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 25.25% |
| Consumer | 18.46% |
| Credit cards | 0.00% |
| Farm | 13.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.25% |
| Construction concentration (Tier 1 capital + allowance) | 12.25% |
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 | 7.99% |
| Interest income on loans | $682K |
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 | $25.5M | $33.6M | 0.65% | 26.42% | 16.29% |
| Q4 2023 | $26.8M | $34.9M | 0.60% | 26.59% | 16.32% |
| Q1 2024 | $26.8M | $34.9M | 1.06% | 28.23% | 17.01% |
| Q2 2024 | $28.9M | $34.9M | 0.95% | 25.79% | 18.54% |
| Q3 2024 | $30.5M | $36.2M | 0.87% | 27.66% | 18.10% |
| Q4 2024 | $32.1M | $37.4M | 1.27% | 25.95% | 18.24% |
| Q1 2025 | $29.6M | $37.2M | 1.34% | 25.37% | 20.35% |
| Q2 2025 | $30.1M | $38.0M | 1.52% | 25.63% | 20.89% |
| Q3 2025 | $32.2M | $38.5M | 1.70% | 26.36% | 19.34% |
| Q4 2025 | $33.2M | $39.9M | 1.61% | 26.18% | 19.19% |
| Q1 2026 | $33.1M | $42.9M | 1.56% | 25.76% | 19.04% |
| Q2 2026 | $34.7M | $43.0M | 3.20% | 25.25% | 18.46% |
Bank of Prague loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Prague, 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 Prague profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12745) · FFIEC NIC profile (RSSD 858452)