First Bank and Trust Company: 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.
Loan-to-deposit ratio climbed 2.05 percentage points in Q2 2026, from 64.42% to 66.47%. It was the largest change from Q1 2026 among the key lines here. First Bank and Trust Company ranks 115th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 66.47% (Q2 2026). At 66.47%, First Bank and Trust Company's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.1M |
| Net loans and leases | $43.3M |
| Loans held for sale | $0 |
| Loans to total assets | 48.34% |
| Loan-to-deposit ratio | 66.47% |
| Net loans to equity capital | 4.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.21% |
| Consumer | 6.19% |
| Credit cards | 0.00% |
| Farm | 16.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.97% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.87% |
| Construction concentration (Tier 1 capital + allowance) | 10.34% |
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 | 6.70% |
| Interest income on loans | $734K |
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 | $50.8M | $71.5M | 8.30% | 11.87% | 4.60% |
| Q4 2023 | $50.1M | $75.7M | 9.24% | 12.12% | 4.54% |
| Q1 2024 | $47.9M | $76.3M | 9.72% | 12.44% | 5.15% |
| Q2 2024 | $51.5M | $75.2M | 9.34% | 11.63% | 4.99% |
| Q3 2024 | $53.1M | $69.9M | 8.89% | 10.90% | 5.05% |
| Q4 2024 | $50.5M | $73.9M | 7.97% | 10.92% | 5.24% |
| Q1 2025 | $48.7M | $73.4M | 7.98% | 9.82% | 5.11% |
| Q2 2025 | $49.6M | $68.6M | 7.75% | 9.94% | 5.58% |
| Q3 2025 | $49.7M | $67.0M | 9.34% | 9.08% | 5.33% |
| Q4 2025 | $49.0M | $69.2M | 9.27% | 9.54% | 5.14% |
| Q1 2026 | $44.2M | $68.6M | 9.29% | 8.25% | 5.39% |
| Q2 2026 | $44.1M | $66.3M | 9.10% | 9.21% | 6.19% |
First Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, 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 First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5438) · FFIEC NIC profile (RSSD 114859)