Corn Growers 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 3.30 percentage points in Q2 2026, from 75.20% to 78.51%. It was the largest change from Q1 2026 among the key lines here. Corn Growers State Bank ranks 97th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 78.51% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Corn Growers State Bank sits 10.88 points higher, at 78.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $27.7M |
| Net loans and leases | $27.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.77% |
| Loan-to-deposit ratio | 78.51% |
| Net loans to equity capital | 9.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.22% |
| Commercial and industrial | 16.64% |
| Consumer | 14.92% |
| Credit cards | 0.00% |
| Farm | 40.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.80% |
| 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 | 6.57% |
| Interest income on loans | $428K |
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 | $20.7M | $31.2M | 0.00% | 14.00% | 17.77% |
| Q4 2023 | $22.6M | $30.2M | 0.00% | 14.08% | 16.53% |
| Q1 2024 | $20.9M | $30.6M | 0.00% | 16.38% | 18.66% |
| Q2 2024 | $21.8M | $30.9M | 0.00% | 14.88% | 17.17% |
| Q3 2024 | $23.0M | $31.8M | 0.00% | 14.92% | 15.85% |
| Q4 2024 | $22.5M | $31.0M | 0.00% | 13.82% | 15.98% |
| Q1 2025 | $21.0M | $33.1M | 0.00% | 15.58% | 16.37% |
| Q2 2025 | $22.1M | $32.9M | 0.00% | 15.23% | 16.64% |
| Q3 2025 | $22.9M | $32.5M | 0.00% | 15.31% | 15.50% |
| Q4 2025 | $25.3M | $31.2M | 0.00% | 17.52% | 16.84% |
| Q1 2026 | $24.9M | $33.1M | 0.00% | 19.23% | 17.50% |
| Q2 2026 | $27.7M | $35.3M | 0.00% | 16.64% | 14.92% |
Corn Growers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Corn Growers 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 Corn Growers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16868) · FFIEC NIC profile (RSSD 177555)