BankFirst: 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 dropped 6.40 percentage points in Q2 2026, from 97.13% to 90.73%. It was the largest change from Q1 2026 among the key lines here. BankFirst ranks 48th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; BankFirst reported 90.73% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $730.1M |
| Net loans and leases | $719.0M |
| Loans held for sale | $0 |
| Loans to total assets | 60.25% |
| Loan-to-deposit ratio | 90.73% |
| Net loans to equity capital | 3.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.22% |
| Multifamily (5+ residential) | 1.06% |
| Commercial and industrial | 8.29% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 14.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.40% |
| Construction concentration (Tier 1 capital + allowance) | 64.74% |
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 | 6.76% |
| Interest income on loans | $12.4M |
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 | $642.7M | $634.2M | 25.07% | 11.04% | 0.68% |
| Q4 2023 | $654.5M | $624.1M | 23.36% | 10.91% | 0.66% |
| Q1 2024 | $646.5M | $645.2M | 23.45% | 10.87% | 0.68% |
| Q2 2024 | $702.8M | $673.2M | 24.67% | 10.17% | 0.61% |
| Q3 2024 | $717.2M | $719.1M | 23.92% | 10.25% | 0.55% |
| Q4 2024 | $730.7M | $714.7M | 23.97% | 10.27% | 0.46% |
| Q1 2025 | $723.1M | $733.2M | 24.02% | 10.08% | 0.56% |
| Q2 2025 | $717.8M | $722.3M | 24.33% | 9.53% | 0.67% |
| Q3 2025 | $721.0M | $749.4M | 23.79% | 8.72% | 0.52% |
| Q4 2025 | $738.5M | $739.2M | 22.26% | 8.98% | 0.58% |
| Q1 2026 | $728.7M | $750.3M | 22.38% | 8.28% | 0.49% |
| Q2 2026 | $730.1M | $804.7M | 22.22% | 8.29% | 0.50% |
BankFirst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst, 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 BankFirst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20130) · FFIEC NIC profile (RSSD 117458)