Battle Creek State 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.
Loans to total assets climbed 5.84 percentage points in Q2 2026, from 72.74% to 78.57%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Battle Creek State Bank is 43rd of 138 on loan-to-deposit ratio, 91.41% as of Q2 2026, above the middle of the field. Battle Creek State Bank reported 91.41% on loan-to-deposit ratio for Q2 2026, 23.79 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.8M |
| Net loans and leases | $55.4M |
| Loans held for sale | $0 |
| Loans to total assets | 78.57% |
| Loan-to-deposit ratio | 91.41% |
| Net loans to equity capital | 5.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 75.95% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 5.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.26% |
| 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 | 6.43% |
| Interest income on loans | $845K |
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 | $27.1M | $30.2M | 3.49% | 82.55% | 1.49% |
| Q4 2023 | $27.6M | $31.2M | 3.38% | 84.08% | 1.04% |
| Q1 2024 | $27.3M | $34.1M | 3.38% | 85.12% | 1.07% |
| Q2 2024 | $27.3M | $36.4M | 3.33% | 86.91% | 1.02% |
| Q3 2024 | $28.4M | $35.7M | 3.17% | 84.82% | 0.91% |
| Q4 2024 | $28.1M | $32.5M | 3.16% | 84.90% | 0.85% |
| Q1 2025 | $27.9M | $43.4M | 3.15% | 84.97% | 0.93% |
| Q2 2025 | $27.3M | $36.7M | 2.43% | 82.63% | 1.05% |
| Q3 2025 | $33.6M | $37.8M | 1.96% | 80.17% | 0.96% |
| Q4 2025 | $39.1M | $44.2M | 1.66% | 83.13% | 0.89% |
| Q1 2026 | $46.7M | $54.3M | 1.37% | 79.04% | 0.57% |
| Q2 2026 | $55.8M | $61.0M | 1.87% | 75.95% | 0.51% |
Battle Creek State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Battle Creek State 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 Battle Creek State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16330) · FFIEC NIC profile (RSSD 986757)