Cedar Security 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.
Loan-to-deposit ratio climbed 7.43 percentage points in Q2 2026, from 68.58% to 76.01%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Cedar Security Bank is 106th of 138 on loan-to-deposit ratio, 76.01% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Cedar Security Bank sits 8.69 points higher, at 76.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.2M |
| Net loans and leases | $36.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.96% |
| Loan-to-deposit ratio | 76.01% |
| Net loans to equity capital | 3.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.65% |
| Multifamily (5+ residential) | 0.84% |
| Commercial and industrial | 15.90% |
| Consumer | 4.03% |
| Credit cards | 0.00% |
| Farm | 18.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 7.87% |
| Construction concentration (Tier 1 capital + allowance) | 0.33% |
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 | 7.52% |
| Interest income on loans | $647K |
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 | $27.3M | $41.5M | 1.55% | 16.98% | 5.41% |
| Q4 2023 | $27.8M | $42.4M | 1.51% | 17.69% | 5.10% |
| Q1 2024 | $25.2M | $41.3M | 1.79% | 16.66% | 4.93% |
| Q2 2024 | $27.2M | $43.2M | 1.64% | 20.00% | 4.59% |
| Q3 2024 | $27.9M | $43.6M | 1.63% | 17.90% | 4.63% |
| Q4 2024 | $27.8M | $43.0M | 2.30% | 16.58% | 4.68% |
| Q1 2025 | $30.4M | $47.6M | 2.08% | 19.35% | 4.57% |
| Q2 2025 | $31.9M | $47.9M | 1.90% | 14.68% | 4.51% |
| Q3 2025 | $33.6M | $47.0M | 1.73% | 16.77% | 5.34% |
| Q4 2025 | $34.1M | $47.7M | 1.67% | 12.91% | 4.15% |
| Q1 2026 | $33.7M | $49.1M | 1.68% | 15.02% | 4.10% |
| Q2 2026 | $37.2M | $49.0M | 1.65% | 15.90% | 4.03% |
Cedar Security Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cedar Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25591) · FFIEC NIC profile (RSSD 550653)