Countryside 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): 10.87 percentage points lower than in Q1 2026, at 18.45%. Countryside Bank ranks 111th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 70.21% (Q2 2026). Countryside Bank reported 70.21% on loan-to-deposit ratio for Q2 2026, 10.74 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.9M |
| Net loans and leases | $67.2M |
| Loans held for sale | $0 |
| Loans to total assets | 57.27% |
| Loan-to-deposit ratio | 70.21% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.80% |
| Multifamily (5+ residential) | 1.62% |
| Commercial and industrial | 9.70% |
| Consumer | 6.46% |
| Credit cards | 0.00% |
| Farm | 21.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.45% |
| Construction concentration (Tier 1 capital + allowance) | 8.96% |
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 | 6.19% |
| Interest income on loans | $1.0M |
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 | $59.7M | $91.1M | 9.98% | 5.34% | 7.29% |
| Q4 2023 | $57.7M | $89.6M | 10.38% | 6.17% | 7.25% |
| Q1 2024 | $56.8M | $92.4M | 10.78% | 6.60% | 8.05% |
| Q2 2024 | $59.5M | $92.8M | 9.99% | 7.39% | 7.76% |
| Q3 2024 | $60.9M | $91.2M | 10.39% | 7.42% | 7.58% |
| Q4 2024 | $63.0M | $94.3M | 9.59% | 8.13% | 7.38% |
| Q1 2025 | $60.6M | $98.2M | 9.01% | 8.79% | 7.28% |
| Q2 2025 | $67.4M | $95.1M | 7.75% | 13.37% | 6.77% |
| Q3 2025 | $70.2M | $93.8M | 7.34% | 12.38% | 6.59% |
| Q4 2025 | $68.7M | $95.8M | 8.10% | 11.60% | 6.50% |
| Q1 2026 | $66.1M | $99.2M | 8.51% | 11.34% | 6.69% |
| Q2 2026 | $67.9M | $96.7M | 8.80% | 9.70% | 6.46% |
Countryside Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Countryside 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 Countryside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1438) · FFIEC NIC profile (RSSD 474357)