Cedar Rapids 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 42.80 percentage points higher than in Q1 2026, at 223.34%. Cedar Rapids State Bank ranks 34th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cedar Rapids State Bank sits 12.46 points higher, at 93.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $146.5M |
| Net loans and leases | $145.2M |
| Loans held for sale | $0 |
| Loans to total assets | 83.72% |
| Loan-to-deposit ratio | 93.02% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.70% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.87% |
| Consumer | 1.31% |
| Credit cards | 0.00% |
| Farm | 13.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.34% |
| Construction concentration (Tier 1 capital + allowance) | 28.21% |
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 | 6.68% |
| Interest income on loans | $2.4M |
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 | $121.9M | $119.6M | 17.15% | 14.48% | 1.51% |
| Q4 2023 | $131.2M | $122.4M | 18.33% | 13.33% | 1.62% |
| Q1 2024 | $131.0M | $129.5M | 20.73% | 13.26% | 1.75% |
| Q2 2024 | $144.9M | $147.0M | 20.07% | 11.29% | 1.37% |
| Q3 2024 | $142.5M | $151.0M | 20.87% | 12.16% | 1.54% |
| Q4 2024 | $144.0M | $147.8M | 23.47% | 10.83% | 1.69% |
| Q1 2025 | $139.5M | $146.9M | 23.11% | 11.56% | 1.52% |
| Q2 2025 | $147.4M | $154.6M | 25.49% | 9.61% | 1.38% |
| Q3 2025 | $147.2M | $150.7M | 24.94% | 9.56% | 1.39% |
| Q4 2025 | $146.4M | $156.2M | 25.02% | 10.48% | 1.33% |
| Q1 2026 | $141.4M | $156.2M | 25.82% | 13.76% | 1.60% |
| Q2 2026 | $146.5M | $157.4M | 32.70% | 12.87% | 1.31% |
Cedar Rapids State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Rapids 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 Cedar Rapids State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18820) · FFIEC NIC profile (RSSD 1005851)