Commercial 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.
Cre concentration (tier 1 capital + allowance) climbed 19.95 percentage points in Q2 2026, from 22.70% to 42.65%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank ranks 84th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). Commercial Bank reported 83.15% on loan-to-deposit ratio for Q2 2026, 15.23 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $39.1M |
| Net loans and leases | $38.6M |
| Loans held for sale | $0 |
| Loans to total assets | 69.20% |
| Loan-to-deposit ratio | 83.15% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.48% |
| Multifamily (5+ residential) | 8.15% |
| Commercial and industrial | 31.69% |
| Consumer | 2.44% |
| Credit cards | 0.00% |
| Farm | 9.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 15.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.65% |
| Construction concentration (Tier 1 capital + allowance) | 8.42% |
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 | 7.51% |
| Interest income on loans | $694K |
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 | $38.7M | $56.2M | 18.18% | 40.90% | 7.82% |
| Q4 2023 | $41.5M | $58.3M | 20.20% | 35.62% | 7.08% |
| Q1 2024 | $37.7M | $53.9M | 23.68% | 38.28% | 7.74% |
| Q2 2024 | $38.9M | $54.8M | 22.05% | 37.76% | 7.38% |
| Q3 2024 | $40.4M | $50.0M | 21.97% | 36.02% | 7.36% |
| Q4 2024 | $39.6M | $53.8M | 20.92% | 34.70% | 6.76% |
| Q1 2025 | $36.7M | $51.9M | 20.14% | 36.56% | 2.39% |
| Q2 2025 | $38.0M | $50.5M | 19.41% | 33.27% | 2.39% |
| Q3 2025 | $40.8M | $50.2M | 12.89% | 36.11% | 2.41% |
| Q4 2025 | $42.6M | $52.1M | 9.86% | 31.65% | 2.23% |
| Q1 2026 | $37.2M | $49.7M | 8.34% | 34.15% | 2.44% |
| Q2 2026 | $39.1M | $47.0M | 5.48% | 31.69% | 2.44% |
Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12246) · FFIEC NIC profile (RSSD 42457)