First Central 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) climbed 4.61 percentage points in Q2 2026, from 31.66% to 36.27%. It was the largest change from Q1 2026 among the key lines here. First Central Bank ranks 49th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Central Bank sits 9.68 points higher, at 90.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $106.6M |
| Net loans and leases | $105.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.33% |
| Loan-to-deposit ratio | 90.52% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.93% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 15.23% |
| Consumer | 3.83% |
| Credit cards | 0.00% |
| Farm | 34.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.27% |
| Construction concentration (Tier 1 capital + allowance) | 19.40% |
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 | — |
| Interest income on loans | $1.7M |
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 | $105.8M | $110.1M | 7.75% | 22.95% | 3.68% |
| Q4 2023 | $104.0M | $109.8M | 7.77% | 25.92% | 3.63% |
| Q1 2024 | $102.0M | $113.8M | 7.79% | 26.17% | 3.53% |
| Q2 2024 | $102.4M | $113.1M | 8.29% | 21.30% | 3.62% |
| Q3 2024 | $104.9M | $108.8M | 7.75% | 21.53% | 3.49% |
| Q4 2024 | $106.7M | $113.5M | 7.52% | 22.69% | 3.69% |
| Q1 2025 | $105.6M | $119.3M | 6.23% | 21.95% | 3.76% |
| Q2 2025 | $107.5M | $120.8M | 6.65% | 21.69% | 3.87% |
| Q3 2025 | $109.6M | $118.3M | 6.42% | 17.74% | 3.87% |
| Q4 2025 | $103.8M | $119.1M | 5.75% | 18.07% | 4.04% |
| Q1 2026 | $100.5M | $116.0M | 5.26% | 18.02% | 4.07% |
| Q2 2026 | $106.6M | $117.7M | 4.93% | 15.23% | 3.83% |
First Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central 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 First Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10637) · FFIEC NIC profile (RSSD 134156)