Dayspring 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.
Loans held for sale dropped 77.0% in Q2 2026, from $1.4M to $315K. It was the largest change from Q1 2026 among the key lines here. Dayspring Bank ranks 30th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 93.33% (Q2 2026). Dayspring Bank reported 93.33% on loan-to-deposit ratio for Q2 2026, 5.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $865.6M |
| Net loans and leases | $854.5M |
| Loans held for sale | $315K |
| Loans to total assets | 70.31% |
| Loan-to-deposit ratio | 93.33% |
| Net loans to equity capital | 6.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.77% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 7.85% |
| Consumer | 1.43% |
| Credit cards | 0.00% |
| Farm | 16.85% |
| Loans to depository institutions | 1.98% |
| State and political subdivisions | 0.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.81% |
| Construction concentration (Tier 1 capital + allowance) | 23.08% |
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 | 6.61% |
| Interest income on loans | $13.9M |
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 | $721.2M | $727.6M | 38.17% | 16.00% | 2.28% |
| Q4 2023 | $724.3M | $701.9M | 39.75% | 13.55% | 2.25% |
| Q1 2024 | $729.9M | $774.2M | 38.86% | 13.55% | 2.74% |
| Q2 2024 | $750.4M | $788.0M | 39.75% | 12.55% | 2.68% |
| Q3 2024 | $753.1M | $846.9M | 40.31% | 10.35% | 2.55% |
| Q4 2024 | $757.0M | $912.6M | 43.08% | 9.71% | 2.32% |
| Q1 2025 | $780.3M | $913.4M | 29.60% | 9.86% | 2.09% |
| Q2 2025 | $799.9M | $925.7M | 29.19% | 8.98% | 1.93% |
| Q3 2025 | $797.6M | $913.1M | 29.79% | 7.72% | 1.76% |
| Q4 2025 | $808.9M | $920.0M | 31.43% | 6.50% | 1.61% |
| Q1 2026 | $829.4M | $920.0M | 32.26% | 7.03% | 1.56% |
| Q2 2026 | $865.6M | $927.6M | 31.77% | 7.85% | 1.43% |
Dayspring Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dayspring 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 Dayspring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13622) · FFIEC NIC profile (RSSD 151957)