Bank of Steinauer: 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: 30.07 percentage points higher than in Q1 2026, at 79.04%. Within Nebraska, Bank of Steinauer is 94th of 138 on loan-to-deposit ratio, 79.04% as of Q2 2026, below the middle of the field. Bank of Steinauer reported 79.04% on loan-to-deposit ratio for Q2 2026, 11.42 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.0M |
| Net loans and leases | $13.0M |
| Loans held for sale | $0 |
| Loans to total assets | 68.44% |
| Loan-to-deposit ratio | 79.04% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.16% |
| Consumer | 12.66% |
| Credit cards | 0.00% |
| Farm | 16.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
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 | 6.90% |
| Interest income on loans | $208K |
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 | $10.5M | $14.3M | 3.99% | 7.07% | 14.21% |
| Q4 2023 | $10.1M | $15.3M | 4.09% | 7.06% | 14.28% |
| Q1 2024 | $9.7M | $15.3M | 6.75% | 6.42% | 14.67% |
| Q2 2024 | $10.6M | $15.4M | 6.10% | 6.35% | 12.58% |
| Q3 2024 | $10.9M | $16.7M | 5.88% | 6.92% | 12.19% |
| Q4 2024 | $11.8M | $15.6M | 5.23% | 6.04% | 11.16% |
| Q1 2025 | $11.2M | $21.6M | 6.98% | 6.66% | 12.49% |
| Q2 2025 | $11.5M | $20.9M | 6.70% | 7.21% | 11.89% |
| Q3 2025 | $11.4M | $19.8M | 3.79% | 6.47% | 13.63% |
| Q4 2025 | $12.2M | $17.0M | 4.35% | 5.66% | 12.12% |
| Q1 2026 | $11.5M | $23.5M | 4.42% | 5.59% | 14.47% |
| Q2 2026 | $13.0M | $16.5M | 3.46% | 5.16% | 12.66% |
Bank of Steinauer loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Steinauer, 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 Steinauer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10635) · FFIEC NIC profile (RSSD 384353)