The First National Bank of Gordon: 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 2.92 percentage points in Q2 2026, from 35.44% to 38.35%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Gordon has the 4th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 38.35% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, The First National Bank of Gordon reported 38.35% on loan-to-deposit ratio in Q2 2026, 42.59 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.2M |
| Net loans and leases | $113.6M |
| Loans held for sale | $0 |
| Loans to total assets | 32.78% |
| Loan-to-deposit ratio | 38.35% |
| Net loans to equity capital | 2.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.06% |
| Multifamily (5+ residential) | 0.61% |
| Commercial and industrial | 4.71% |
| Consumer | 5.98% |
| Credit cards | 0.00% |
| Farm | 35.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.23% |
| Construction concentration (Tier 1 capital + allowance) | 2.16% |
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 | 7.46% |
| Interest income on loans | $2.1M |
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 | $120.6M | $274.0M | 6.45% | 7.84% | 4.69% |
| Q4 2023 | $120.7M | $283.9M | 6.50% | 7.34% | 5.08% |
| Q1 2024 | $121.1M | $313.3M | 6.33% | 7.92% | 5.19% |
| Q2 2024 | $123.9M | $279.8M | 6.16% | 7.57% | 5.42% |
| Q3 2024 | $118.7M | $311.6M | 6.27% | 7.66% | 5.63% |
| Q4 2024 | $118.2M | $287.6M | 6.48% | 7.57% | 5.69% |
| Q1 2025 | $112.7M | $344.0M | 6.77% | 7.82% | 5.70% |
| Q2 2025 | $109.7M | $329.4M | 6.98% | 7.38% | 6.16% |
| Q3 2025 | $110.0M | $321.6M | 6.72% | 6.72% | 6.35% |
| Q4 2025 | $111.0M | $312.7M | 6.44% | 5.73% | 6.46% |
| Q1 2026 | $114.3M | $322.6M | 6.26% | 5.28% | 5.94% |
| Q2 2026 | $117.2M | $305.6M | 6.06% | 4.71% | 5.98% |
The First National Bank of Gordon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Gordon, 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 The First National Bank of Gordon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5410) · FFIEC NIC profile (RSSD 3252)