Cerescobank: 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 3.21 percentage points in Q2 2026, from 61.23% to 64.44%. It was the largest change from Q1 2026 among the key lines here. Cerescobank ranks 117th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 64.44% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Cerescobank sits 3.18 points lower, at 64.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.5M |
| Net loans and leases | $43.7M |
| Loans held for sale | $0 |
| Loans to total assets | 54.74% |
| Loan-to-deposit ratio | 64.44% |
| Net loans to equity capital | 4.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.61% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 16.32% |
| Consumer | 10.89% |
| Credit cards | 0.00% |
| Farm | 19.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.70% |
| Construction concentration (Tier 1 capital + allowance) | 23.06% |
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 | 6.91% |
| Interest income on loans | $744K |
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 | $32.2M | $56.4M | 4.32% | 19.43% | 10.61% |
| Q4 2023 | $31.1M | $57.7M | 4.28% | 18.63% | 10.85% |
| Q1 2024 | $32.9M | $62.1M | 4.03% | 19.42% | 10.78% |
| Q2 2024 | $33.4M | $62.3M | 7.50% | 19.40% | 12.02% |
| Q3 2024 | $34.0M | $63.2M | 6.04% | 17.11% | 12.48% |
| Q4 2024 | $35.4M | $63.5M | 5.59% | 17.02% | 12.85% |
| Q1 2025 | $34.1M | $64.3M | 6.02% | 17.40% | 12.86% |
| Q2 2025 | $36.7M | $63.0M | 6.45% | 17.72% | 13.10% |
| Q3 2025 | $41.1M | $63.0M | 5.86% | 16.57% | 11.67% |
| Q4 2025 | $42.1M | $65.8M | 5.66% | 15.62% | 11.02% |
| Q1 2026 | $42.4M | $69.3M | 5.97% | 16.05% | 10.85% |
| Q2 2026 | $44.5M | $69.0M | 5.61% | 16.32% | 10.89% |
Cerescobank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cerescobank, 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 Cerescobank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1993) · FFIEC NIC profile (RSSD 75651)