Boelus 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.
Consumer climbed 2.36 percentage points in Q2 2026, from 9.76% to 12.12%. It was the largest change from Q1 2026 among the key lines here. Boelus State Bank has the 2nd lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 30.86% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, Boelus State Bank reported 30.86% on loan-to-deposit ratio in Q2 2026, 37.06 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.4M |
| Net loans and leases | $6.2M |
| Loans held for sale | $0 |
| Loans to total assets | 26.11% |
| Loan-to-deposit ratio | 30.86% |
| Net loans to equity capital | 1.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.39% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.26% |
| Consumer | 12.12% |
| Credit cards | 0.00% |
| Farm | 25.85% |
| 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 | 6.66% |
| Interest income on loans | $102K |
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 | $5.1M | $18.6M | 0.57% | 2.30% | 14.95% |
| Q4 2023 | $5.3M | $19.1M | 0.51% | 1.90% | 14.96% |
| Q1 2024 | $5.6M | $19.1M | 0.47% | 1.59% | 10.16% |
| Q2 2024 | $5.6M | $20.2M | 0.78% | 1.87% | 12.54% |
| Q3 2024 | $4.8M | $18.3M | 0.81% | 3.88% | 12.74% |
| Q4 2024 | $5.4M | $18.8M | 0.63% | 3.06% | 15.78% |
| Q1 2025 | $6.3M | $19.1M | 0.46% | 2.24% | 9.08% |
| Q2 2025 | $6.0M | $19.8M | 0.53% | 2.09% | 12.30% |
| Q3 2025 | $5.3M | $20.0M | 0.87% | 2.18% | 13.90% |
| Q4 2025 | $5.2M | $19.9M | 0.78% | 1.98% | 15.83% |
| Q1 2026 | $6.4M | $21.5M | 0.54% | 1.43% | 9.76% |
| Q2 2026 | $6.4M | $20.6M | 0.39% | 1.26% | 12.12% |
Boelus State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Boelus 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 Boelus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17825) · FFIEC NIC profile (RSSD 472250)