Equitable 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 Construction concentration (Tier 1 capital + allowance): 5.95 percentage points higher than in Q1 2026, at 29.25%. Equitable Bank ranks 14th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 101.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Equitable Bank sits 20.69 points higher, at 101.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $454.1M |
| Net loans and leases | $448.2M |
| Loans held for sale | $1.0M |
| Loans to total assets | 86.73% |
| Loan-to-deposit ratio | 101.24% |
| Net loans to equity capital | 8.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.66% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 6.68% |
| Consumer | 0.93% |
| Credit cards | 0.11% |
| Farm | 12.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.11% |
| Construction concentration (Tier 1 capital + allowance) | 29.25% |
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 | 6.27% |
| Interest income on loans | $7.0M |
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 | $426.4M | $427.6M | 26.74% | 11.71% | 1.09% |
| Q4 2023 | $446.1M | $428.9M | 26.97% | 11.47% | 0.98% |
| Q1 2024 | $448.3M | $444.3M | 26.74% | 12.03% | 1.13% |
| Q2 2024 | $452.2M | $450.2M | 26.27% | 11.65% | 1.05% |
| Q3 2024 | $445.6M | $440.4M | 25.74% | 10.61% | 1.09% |
| Q4 2024 | $455.1M | $445.2M | 26.18% | 10.20% | 1.15% |
| Q1 2025 | $444.4M | $465.0M | 26.73% | 9.35% | 0.99% |
| Q2 2025 | $450.4M | $455.0M | 26.44% | 9.18% | 0.96% |
| Q3 2025 | $441.6M | $431.2M | 27.44% | 8.83% | 1.06% |
| Q4 2025 | $449.2M | $450.3M | 29.76% | 6.43% | 0.96% |
| Q1 2026 | $442.3M | $453.5M | 29.47% | 6.63% | 0.95% |
| Q2 2026 | $454.1M | $448.5M | 28.66% | 6.68% | 0.93% |
Equitable Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable 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 Equitable Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31485) · FFIEC NIC profile (RSSD 81175)