Cornhusker 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 CRE concentration (Tier 1 capital + allowance): 16.55 percentage points higher than in Q1 2026, at 412.47%. Cornhusker Bank ranks 16th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 100.14% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Cornhusker Bank sits 11.94 points higher, at 100.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $853.9M |
| Net loans and leases | $843.3M |
| Loans held for sale | $1.6M |
| Loans to total assets | 81.37% |
| Loan-to-deposit ratio | 100.14% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.50% |
| Multifamily (5+ residential) | 14.43% |
| Commercial and industrial | 3.38% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 412.47% |
| Construction concentration (Tier 1 capital + allowance) | 67.07% |
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 | 5.81% |
| Interest income on loans | $12.2M |
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 | $778.3M | $795.8M | 38.38% | 6.53% | 0.31% |
| Q4 2023 | $789.6M | $813.0M | 37.72% | 6.57% | 0.31% |
| Q1 2024 | $795.1M | $795.3M | 36.94% | 6.70% | 0.27% |
| Q2 2024 | $786.8M | $820.8M | 38.80% | 6.55% | 0.26% |
| Q3 2024 | $788.1M | $805.6M | 39.36% | 6.68% | 0.35% |
| Q4 2024 | $819.2M | $814.5M | 38.47% | 6.34% | 0.23% |
| Q1 2025 | $861.7M | $845.3M | 40.19% | 5.81% | 0.21% |
| Q2 2025 | $856.7M | $838.7M | 40.26% | 5.71% | 0.23% |
| Q3 2025 | $856.7M | $861.6M | 39.95% | 5.55% | 0.23% |
| Q4 2025 | $829.7M | $865.2M | 44.51% | 3.28% | 0.18% |
| Q1 2026 | $829.7M | $850.1M | 44.05% | 3.45% | 0.20% |
| Q2 2026 | $853.9M | $852.8M | 45.50% | 3.38% | 0.15% |
Cornhusker Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornhusker 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 Cornhusker Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14264) · FFIEC NIC profile (RSSD 544652)