Commercial State 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.
Loan-to-deposit ratio climbed 2.25 percentage points in Q2 2026, from 37.19% to 39.44%. It was the largest change from Q1 2026 among the key lines here. Commercial State Bank has the 7th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 39.44% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Commercial State Bank sits 28.18 points lower, at 39.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.7M |
| Net loans and leases | $19.4M |
| Loans held for sale | $0 |
| Loans to total assets | 26.08% |
| Loan-to-deposit ratio | 39.44% |
| Net loans to equity capital | 0.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.31% |
| Consumer | 2.19% |
| Credit cards | 0.00% |
| Farm | 48.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 6.42% |
| Interest income on loans | $314K |
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 | $18.6M | $46.6M | 0.00% | 5.36% | 3.16% |
| Q4 2023 | $19.7M | $48.0M | 0.00% | 4.97% | 3.16% |
| Q1 2024 | $15.1M | $49.2M | 0.00% | 7.23% | 2.44% |
| Q2 2024 | $17.8M | $48.3M | 0.00% | 6.20% | 2.30% |
| Q3 2024 | $18.0M | $48.8M | 0.00% | 5.63% | 2.26% |
| Q4 2024 | $19.7M | $50.4M | 0.00% | 5.19% | 1.90% |
| Q1 2025 | $18.7M | $50.8M | 0.00% | 5.63% | 2.10% |
| Q2 2025 | $20.4M | $50.6M | 0.00% | 5.16% | 2.08% |
| Q3 2025 | $22.8M | $50.5M | 0.00% | 4.67% | 2.38% |
| Q4 2025 | $22.1M | $50.3M | 0.00% | 5.19% | 2.57% |
| Q1 2026 | $19.1M | $51.2M | 0.00% | 6.30% | 2.14% |
| Q2 2026 | $19.7M | $49.9M | 0.00% | 6.31% | 2.19% |
Commercial State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1986) · FFIEC NIC profile (RSSD 924553)