Columbus Bank and Trust Company: 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.
Construction concentration (tier 1 capital + allowance) climbed 8.72 percentage points in Q2 2026, from 42.18% to 50.90%. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Columbus Bank and Trust Company sits 13th from the top on loan-to-deposit ratio, 102.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Columbus Bank and Trust Company sits 21.27 points higher, at 102.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $223.6M |
| Net loans and leases | $220.5M |
| Loans held for sale | $0 |
| Loans to total assets | 81.43% |
| Loan-to-deposit ratio | 102.22% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.91% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 11.25% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 23.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.67% |
| Construction concentration (Tier 1 capital + allowance) | 50.90% |
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 | 6.49% |
| Interest income on loans | $3.6M |
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 | $164.3M | $169.7M | 19.66% | 13.36% | 0.99% |
| Q4 2023 | $175.9M | $167.4M | 19.89% | 13.71% | 0.97% |
| Q1 2024 | $187.4M | $176.4M | 19.17% | 13.72% | 0.98% |
| Q2 2024 | $194.2M | $182.2M | 18.93% | 13.35% | 0.93% |
| Q3 2024 | $202.3M | $185.8M | 18.88% | 12.76% | 0.89% |
| Q4 2024 | $213.7M | $203.5M | 21.31% | 12.77% | 0.94% |
| Q1 2025 | $207.9M | $213.8M | 24.49% | 10.54% | 1.05% |
| Q2 2025 | $215.2M | $218.2M | 23.40% | 11.97% | 1.01% |
| Q3 2025 | $222.7M | $212.3M | 21.85% | 11.12% | 0.99% |
| Q4 2025 | $223.9M | $216.4M | 21.40% | 11.99% | 1.00% |
| Q1 2026 | $225.4M | $220.8M | 21.05% | 11.76% | 1.00% |
| Q2 2026 | $223.6M | $218.8M | 20.91% | 11.25% | 0.98% |
Columbus Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Columbus Bank and Trust Company, 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 Columbus Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15010) · FFIEC NIC profile (RSSD 241559)