Custer Federal 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.17 percentage points higher than in Q1 2026, at 15.80%. Custer Federal State Bank ranks 68th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 87.22% (Q2 2026). Custer Federal State Bank reported 87.22% on loan-to-deposit ratio for Q2 2026, 6.28 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.5M |
| Net loans and leases | $82.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.15% |
| Loan-to-deposit ratio | 87.22% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.54% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.28% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 45.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.80% |
| Construction concentration (Tier 1 capital + allowance) | 4.55% |
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 | 6.67% |
| Interest income on loans | $1.3M |
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 | $72.8M | $91.6M | 5.79% | 8.84% | 1.50% |
| Q4 2023 | $70.4M | $92.5M | 5.92% | 7.97% | 1.47% |
| Q1 2024 | $70.9M | $94.2M | 5.89% | 8.32% | 1.37% |
| Q2 2024 | $74.3M | $92.2M | 5.65% | 7.81% | 1.36% |
| Q3 2024 | $75.9M | $93.8M | 5.49% | 7.61% | 1.22% |
| Q4 2024 | $73.0M | $98.5M | 4.89% | 6.75% | 1.16% |
| Q1 2025 | $71.7M | $97.8M | 4.87% | 6.98% | 1.34% |
| Q2 2025 | $74.2M | $94.3M | 4.54% | 7.31% | 1.08% |
| Q3 2025 | $78.7M | $92.0M | 3.95% | 7.71% | 0.96% |
| Q4 2025 | $75.3M | $99.3M | 2.49% | 8.79% | 1.20% |
| Q1 2026 | $78.6M | $99.1M | 2.38% | 8.79% | 1.23% |
| Q2 2026 | $83.5M | $95.7M | 3.54% | 8.28% | 0.98% |
Custer Federal State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Custer Federal 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 Custer Federal State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28543) · FFIEC NIC profile (RSSD 481579)