First Bank and Trust of Fullerton: 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 Loan-to-deposit ratio: 2.80 percentage points higher than in Q1 2026, at 82.81%. Within Nebraska, First Bank and Trust of Fullerton is 85th of 138 on loan-to-deposit ratio, 82.81% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; First Bank and Trust of Fullerton reported 82.81% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.5M |
| Net loans and leases | $68.5M |
| Loans held for sale | $0 |
| Loans to total assets | 64.15% |
| Loan-to-deposit ratio | 82.81% |
| Net loans to equity capital | 4.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.12% |
| Multifamily (5+ residential) | 3.73% |
| Commercial and industrial | 6.44% |
| Consumer | 1.44% |
| Credit cards | 0.00% |
| Farm | 48.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.81% |
| Construction concentration (Tier 1 capital + allowance) | 2.10% |
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 | 5.90% |
| Interest income on loans | $991K |
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 | $69.8M | $73.2M | 1.34% | 6.27% | 1.19% |
| Q4 2023 | $67.4M | $79.0M | 0.72% | 4.63% | 1.26% |
| Q1 2024 | $66.5M | $79.2M | 0.72% | 4.78% | 1.44% |
| Q2 2024 | $68.1M | $79.7M | 2.18% | 4.64% | 1.33% |
| Q3 2024 | $70.7M | $75.6M | 2.09% | 4.35% | 1.23% |
| Q4 2024 | $70.2M | $79.2M | 2.18% | 4.55% | 1.30% |
| Q1 2025 | $66.4M | $82.9M | 2.27% | 4.39% | 1.27% |
| Q2 2025 | $68.8M | $82.9M | 2.22% | 4.25% | 1.39% |
| Q3 2025 | $73.9M | $77.6M | 2.05% | 4.19% | 1.15% |
| Q4 2025 | $73.7M | $86.5M | 2.03% | 4.40% | 1.13% |
| Q1 2026 | $66.5M | $83.2M | 2.24% | 5.15% | 1.12% |
| Q2 2026 | $69.5M | $83.9M | 2.12% | 6.44% | 1.44% |
First Bank and Trust of Fullerton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust of Fullerton, 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 of Fullerton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5405) · FFIEC NIC profile (RSSD 266655)