The First National Bank of Nevada: 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.
Farm dropped 1.21 percentage points in Q2 2026, from 30.42% to 29.21%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Nevada has the 17th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 53.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Nevada sits 26.91 points lower, at 53.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.4M |
| Net loans and leases | $55.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.16% |
| Loan-to-deposit ratio | 53.93% |
| Net loans to equity capital | 3.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.81% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.88% |
| Consumer | 2.22% |
| Credit cards | 0.00% |
| Farm | 29.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.96% |
| Construction concentration (Tier 1 capital + allowance) | 3.46% |
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 | 7.09% |
| Interest income on loans | $970K |
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 | $44.2M | $96.5M | 21.22% | 7.83% | 2.76% |
| Q4 2023 | $43.0M | $96.8M | 21.51% | 7.30% | 2.52% |
| Q1 2024 | $45.5M | $99.3M | 22.23% | 7.55% | 2.47% |
| Q2 2024 | $44.7M | $97.0M | 20.44% | 9.07% | 2.63% |
| Q3 2024 | $45.6M | $97.0M | 21.16% | 9.12% | 2.73% |
| Q4 2024 | $46.0M | $98.1M | 22.97% | 8.12% | 3.02% |
| Q1 2025 | $48.3M | $101.1M | 22.77% | 7.20% | 2.89% |
| Q2 2025 | $50.2M | $103.7M | 21.88% | 7.15% | 2.74% |
| Q3 2025 | $53.1M | $102.9M | 21.13% | 6.98% | 2.61% |
| Q4 2025 | $52.6M | $97.2M | 21.50% | 7.45% | 2.56% |
| Q1 2026 | $54.8M | $99.9M | 20.10% | 7.15% | 2.37% |
| Q2 2026 | $56.4M | $104.6M | 19.81% | 6.88% | 2.22% |
The First National Bank of Nevada 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 Nevada, 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 Nevada profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4598) · FFIEC NIC profile (RSSD 827355)