First Central Bank McCook: 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: 14.02 percentage points higher than in Q1 2026, at 95.30%. Within Nebraska, First Central Bank McCook is 22nd of 138 on loan-to-deposit ratio, 95.30% as of Q2 2026, above the middle of the field. First Central Bank McCook reported 95.30% on loan-to-deposit ratio for Q2 2026, 14.35 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $100.8M |
| Net loans and leases | $99.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.11% |
| Loan-to-deposit ratio | 95.30% |
| Net loans to equity capital | 7.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.56% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 11.78% |
| Consumer | 4.24% |
| Credit cards | 0.00% |
| Farm | 26.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.89% |
| Construction concentration (Tier 1 capital + allowance) | 47.85% |
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 | 7.14% |
| 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 | $101.7M | $107.3M | 9.05% | 21.37% | 3.21% |
| Q4 2023 | $94.5M | $105.3M | 10.26% | 23.24% | 3.40% |
| Q1 2024 | $92.9M | $104.3M | 11.07% | 23.85% | 3.53% |
| Q2 2024 | $94.5M | $103.5M | 10.83% | 20.42% | 3.63% |
| Q3 2024 | $95.9M | $102.4M | 8.88% | 16.38% | 3.97% |
| Q4 2024 | $96.7M | $109.7M | 9.45% | 15.62% | 4.28% |
| Q1 2025 | $92.1M | $108.8M | 10.00% | 14.94% | 4.72% |
| Q2 2025 | $90.4M | $106.4M | 12.12% | 14.51% | 4.82% |
| Q3 2025 | $89.4M | $102.2M | 11.53% | 14.03% | 4.96% |
| Q4 2025 | $88.6M | $108.8M | 11.41% | 13.51% | 4.85% |
| Q1 2026 | $86.7M | $106.6M | 11.84% | 14.07% | 5.16% |
| Q2 2026 | $100.8M | $105.8M | 10.56% | 11.78% | 4.24% |
First Central Bank McCook loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Bank McCook, 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 McCook profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34995) · FFIEC NIC profile (RSSD 2726050)