City Bank & Trust Co.: 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): 10.66 percentage points lower than in Q1 2026, at 306.73%. Among 138 Nebraska banks, City Bank & Trust Co. sits 10th from the top on loan-to-deposit ratio, 102.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. City Bank & Trust Co. sits 21.34 points higher, at 102.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $295.0M |
| Net loans and leases | $290.8M |
| Loans held for sale | $1.7M |
| Loans to total assets | 91.25% |
| Loan-to-deposit ratio | 102.29% |
| Net loans to equity capital | 8.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.81% |
| Multifamily (5+ residential) | 16.28% |
| Commercial and industrial | 12.06% |
| Consumer | 2.92% |
| Credit cards | 0.00% |
| Farm | 2.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 306.73% |
| Construction concentration (Tier 1 capital + allowance) | 53.78% |
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 | 5.91% |
| Interest income on loans | $4.4M |
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 | $267.9M | $250.3M | 29.65% | 16.04% | 4.40% |
| Q4 2023 | $269.0M | $248.5M | 28.46% | 16.38% | 3.97% |
| Q1 2024 | $273.4M | $241.0M | 28.12% | 17.51% | 3.66% |
| Q2 2024 | $275.6M | $268.7M | 28.49% | 16.70% | 3.38% |
| Q3 2024 | $273.1M | $286.1M | 27.27% | 16.15% | 3.14% |
| Q4 2024 | $293.2M | $293.9M | 29.86% | 14.58% | 2.72% |
| Q1 2025 | $293.2M | $299.5M | 30.06% | 14.00% | 4.17% |
| Q2 2025 | $295.2M | $281.5M | 34.44% | 13.86% | 3.80% |
| Q3 2025 | $292.0M | $273.5M | 34.27% | 13.05% | 3.36% |
| Q4 2025 | $303.0M | $287.9M | 36.19% | 12.68% | 2.93% |
| Q1 2026 | $299.7M | $291.0M | 36.40% | 12.15% | 3.02% |
| Q2 2026 | $295.0M | $288.4M | 34.81% | 12.06% | 2.92% |
City Bank & Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City Bank & Trust Co., 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 City Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5396) · FFIEC NIC profile (RSSD 79855)