The Eastern Colorado 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.
Cre concentration (tier 1 capital + allowance) dropped 26.45 percentage points in Q2 2026, from 201.83% to 175.39%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, The Eastern Colorado Bank is 40th of 63 on loan-to-deposit ratio, 75.45% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Eastern Colorado Bank sits 5.39 points lower, at 75.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $455.0M |
| Net loans and leases | $448.4M |
| Loans held for sale | $0 |
| Loans to total assets | 63.12% |
| Loan-to-deposit ratio | 75.45% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.25% |
| Multifamily (5+ residential) | 3.05% |
| Commercial and industrial | 4.65% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 17.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.39% |
| Construction concentration (Tier 1 capital + allowance) | 37.73% |
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 | 6.31% |
| Interest income on loans | $7.2M |
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 | $429.7M | $550.0M | 35.10% | 4.55% | 0.29% |
| Q4 2023 | $441.9M | $559.3M | 36.12% | 4.62% | 0.25% |
| Q1 2024 | $449.3M | $562.7M | 38.92% | 4.20% | 0.21% |
| Q2 2024 | $456.1M | $562.8M | 38.57% | 4.30% | 0.21% |
| Q3 2024 | $477.3M | $559.8M | 36.93% | 3.82% | 0.28% |
| Q4 2024 | $486.8M | $573.5M | 35.73% | 3.35% | 0.37% |
| Q1 2025 | $496.8M | $575.7M | 34.60% | 3.30% | 0.32% |
| Q2 2025 | $483.5M | $573.7M | 35.99% | 3.53% | 0.27% |
| Q3 2025 | $479.1M | $579.2M | 34.13% | 3.76% | 0.27% |
| Q4 2025 | $482.5M | $594.3M | 32.41% | 3.96% | 0.28% |
| Q1 2026 | $466.3M | $604.8M | 33.02% | 4.49% | 0.36% |
| Q2 2026 | $455.0M | $603.0M | 33.25% | 4.65% | 0.32% |
The Eastern Colorado Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Eastern Colorado 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 The Eastern Colorado Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16125) · FFIEC NIC profile (RSSD 775054)