Clarkson 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 Loan-to-deposit ratio: 4.74 percentage points lower than in Q1 2026, at 61.37%. Within Nebraska, Clarkson Bank is 120th of 138 on loan-to-deposit ratio, 61.37% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Clarkson Bank sits 6.25 points lower, at 61.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.4M |
| Net loans and leases | $42.5M |
| Loans held for sale | $0 |
| Loans to total assets | 53.28% |
| Loan-to-deposit ratio | 61.37% |
| Net loans to equity capital | 5.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.72% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.94% |
| Consumer | 2.32% |
| Credit cards | 0.00% |
| Farm | 39.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.85% |
| 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 | 6.69% |
| Interest income on loans | $724K |
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 | $27.8M | $57.6M | 7.29% | 8.56% | 1.97% |
| Q4 2023 | $30.9M | $57.4M | 6.47% | 10.37% | 1.81% |
| Q1 2024 | $32.6M | $60.0M | 5.73% | 11.96% | 1.82% |
| Q2 2024 | $32.1M | $62.4M | 6.36% | 9.42% | 1.83% |
| Q3 2024 | $33.8M | $62.7M | 6.16% | 9.10% | 2.24% |
| Q4 2024 | $37.6M | $61.0M | 5.48% | 8.96% | 2.33% |
| Q1 2025 | $34.0M | $64.9M | 5.95% | 11.34% | 2.51% |
| Q2 2025 | $35.5M | $64.1M | 9.67% | 6.63% | 2.54% |
| Q3 2025 | $38.8M | $61.9M | 9.00% | 6.70% | 2.85% |
| Q4 2025 | $44.1M | $60.9M | 7.97% | 8.57% | 2.39% |
| Q1 2026 | $43.5M | $65.9M | 8.38% | 9.81% | 2.49% |
| Q2 2026 | $43.4M | $70.7M | 8.72% | 7.94% | 2.32% |
Clarkson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarkson 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 Clarkson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14581) · FFIEC NIC profile (RSSD 1007958)