Banner Capital Bank: 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.
Cre concentration (tier 1 capital + allowance) climbed 4.17 percentage points in Q2 2026, from 111.66% to 115.83%. It was the largest change from Q1 2026 among the key lines here. Banner Capital Bank ranks 38th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 92.79% (Q2 2026). Banner Capital Bank reported 92.79% on loan-to-deposit ratio for Q2 2026, 11.85 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $311.0M |
| Net loans and leases | $307.0M |
| Loans held for sale | $0 |
| Loans to total assets | 81.91% |
| Loan-to-deposit ratio | 92.79% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.83% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 10.29% |
| Consumer | 3.92% |
| Credit cards | 0.00% |
| Farm | 28.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.83% |
| Construction concentration (Tier 1 capital + allowance) | 30.91% |
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 | 7.31% |
| Interest income on loans | $5.6M |
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 | $266.4M | $284.8M | 19.55% | 12.04% | 4.03% |
| Q4 2023 | $274.6M | $290.0M | 18.61% | 12.19% | 3.90% |
| Q1 2024 | $270.3M | $287.0M | 19.51% | 11.34% | 3.78% |
| Q2 2024 | $288.2M | $286.8M | 19.69% | 10.99% | 3.75% |
| Q3 2024 | $295.3M | $313.2M | 20.42% | 10.74% | 3.76% |
| Q4 2024 | $278.8M | $319.7M | 21.54% | 10.38% | 3.81% |
| Q1 2025 | $279.0M | $312.6M | 20.47% | 10.64% | 3.78% |
| Q2 2025 | $279.9M | $316.1M | 18.93% | 9.28% | 3.74% |
| Q3 2025 | $285.3M | $320.1M | 17.98% | 8.75% | 4.12% |
| Q4 2025 | $292.1M | $327.3M | 17.66% | 9.41% | 3.87% |
| Q1 2026 | $297.5M | $327.6M | 17.33% | 9.23% | 3.74% |
| Q2 2026 | $311.0M | $335.2M | 17.83% | 10.29% | 3.92% |
Banner Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banner Capital Bank, 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 Banner Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19274) · FFIEC NIC profile (RSSD 275255)