Bank of the Valley: 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 Construction concentration (Tier 1 capital + allowance): 2.91 percentage points higher than in Q1 2026, at 33.92%. Bank of the Valley ranks 32nd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.07% (Q2 2026). Bank of the Valley reported 93.07% on loan-to-deposit ratio for Q2 2026, 12.13 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.8M |
| Net loans and leases | $450.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.50% |
| Loan-to-deposit ratio | 93.07% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.84% |
| Multifamily (5+ residential) | 2.62% |
| Commercial and industrial | 7.86% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 28.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 93.97% |
| Construction concentration (Tier 1 capital + allowance) | 33.92% |
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 | 6.95% |
| Interest income on loans | $7.8M |
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 | $408.3M | $436.0M | 11.32% | 7.84% | 1.71% |
| Q4 2023 | $404.2M | $441.8M | 12.16% | 7.80% | 1.62% |
| Q1 2024 | $423.7M | $467.2M | 13.77% | 8.13% | 1.46% |
| Q2 2024 | $430.9M | $480.9M | 13.24% | 8.43% | 1.46% |
| Q3 2024 | $447.7M | $463.2M | 11.97% | 7.82% | 1.39% |
| Q4 2024 | $442.8M | $461.2M | 11.06% | 7.46% | 1.39% |
| Q1 2025 | $428.8M | $462.9M | 12.86% | 7.59% | 1.36% |
| Q2 2025 | $435.5M | $464.6M | 13.46% | 7.19% | 1.26% |
| Q3 2025 | $434.3M | $463.3M | 12.72% | 6.80% | 1.25% |
| Q4 2025 | $435.9M | $456.4M | 12.32% | 7.43% | 1.20% |
| Q1 2026 | $445.9M | $475.1M | 13.99% | 7.75% | 1.13% |
| Q2 2026 | $456.8M | $490.8M | 13.84% | 7.86% | 1.08% |
Bank of the Valley loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Valley, 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 the Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25291) · FFIEC NIC profile (RSSD 478195)