Exchange 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): 5.31 percentage points lower than in Q1 2026, at 241.41%. Within Nebraska, Exchange Bank is 58th of 138 on loan-to-deposit ratio, 89.28% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Exchange Bank reported 89.28% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.09B |
| Net loans and leases | $1.07B |
| Loans held for sale | $675K |
| Loans to total assets | 69.11% |
| Loan-to-deposit ratio | 89.28% |
| Net loans to equity capital | 6.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.26% |
| Multifamily (5+ residential) | 10.80% |
| Commercial and industrial | 5.08% |
| Consumer | 0.46% |
| Credit cards | 0.00% |
| Farm | 10.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 241.41% |
| Construction concentration (Tier 1 capital + allowance) | 61.85% |
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 | 6.74% |
| Interest income on loans | $18.3M |
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 | $999.1M | $1.06B | 29.25% | 6.78% | 0.59% |
| Q4 2023 | $1.01B | $1.06B | 29.54% | 6.33% | 0.57% |
| Q1 2024 | $1.02B | $1.13B | 28.99% | 6.12% | 0.61% |
| Q2 2024 | $1.02B | $1.14B | 29.64% | 6.31% | 0.57% |
| Q3 2024 | $1.03B | $1.17B | 29.21% | 6.05% | 0.56% |
| Q4 2024 | $1.03B | $1.20B | 29.32% | 5.71% | 0.52% |
| Q1 2025 | $1.04B | $1.17B | 30.17% | 5.72% | 0.53% |
| Q2 2025 | $1.07B | $1.19B | 29.16% | 5.63% | 0.48% |
| Q3 2025 | $1.07B | $1.19B | 27.96% | 5.33% | 0.44% |
| Q4 2025 | $1.08B | $1.20B | 27.96% | 5.06% | 0.44% |
| Q1 2026 | $1.07B | $1.21B | 27.76% | 5.02% | 0.39% |
| Q2 2026 | $1.09B | $1.22B | 27.26% | 5.08% | 0.46% |
Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1435) · FFIEC NIC profile (RSSD 492650)