First National Bank in Ord: 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 Farm: 4.02 percentage points lower than in Q1 2026, at 26.68%. Within Nebraska, First National Bank in Ord is 122nd of 138 on loan-to-deposit ratio, 59.64% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank in Ord sits 21.19 points lower, at 59.64% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.2M |
| Net loans and leases | $85.8M |
| Loans held for sale | $0 |
| Loans to total assets | 52.64% |
| Loan-to-deposit ratio | 59.64% |
| Net loans to equity capital | 4.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.30% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.05% |
| Consumer | 3.26% |
| Credit cards | 0.00% |
| Farm | 26.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.28% |
| Construction concentration (Tier 1 capital + allowance) | 1.05% |
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 | 6.26% |
| Interest income on loans | $1.3M |
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 | $73.6M | $127.9M | 3.62% | 8.80% | 3.82% |
| Q4 2023 | $76.3M | $135.0M | 3.39% | 7.98% | 3.45% |
| Q1 2024 | $74.0M | $134.8M | 4.15% | 9.15% | 3.62% |
| Q2 2024 | $74.4M | $131.9M | 4.03% | 9.05% | 3.64% |
| Q3 2024 | $77.2M | $129.1M | 3.84% | 7.68% | 4.26% |
| Q4 2024 | $87.5M | $138.5M | 6.50% | 11.14% | 3.56% |
| Q1 2025 | $80.1M | $142.3M | 6.81% | 11.86% | 3.69% |
| Q2 2025 | $81.3M | $139.1M | 6.28% | 6.63% | 3.41% |
| Q3 2025 | $83.3M | $138.3M | 6.05% | 6.59% | 3.45% |
| Q4 2025 | $82.1M | $141.6M | 6.22% | 6.21% | 3.71% |
| Q1 2026 | $83.5M | $146.5M | 6.16% | 11.40% | 3.44% |
| Q2 2026 | $87.2M | $146.1M | 6.30% | 11.05% | 3.26% |
First National Bank in Ord loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Ord, 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 National Bank in Ord profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5460) · FFIEC NIC profile (RSSD 850054)