First Northeast Bank of Nebraska: 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 Q3 2026 was in Loan-to-deposit ratio: 3.72 percentage points higher than in Q2 2026, at 53.62%. On loan-to-deposit ratio, First Northeast Bank of Nebraska is 12th from the bottom among 138 Nebraska banks, 53.62% (Q3 2026). First Northeast Bank of Nebraska reported 53.62% on loan-to-deposit ratio for Q3 2026, 27.22 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $188.8M |
| Net loans and leases | $185.3M |
| Loans held for sale | $0 |
| Loans to total assets | 39.82% |
| Loan-to-deposit ratio | 53.62% |
| Net loans to equity capital | 2.78% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.80% |
| Multifamily (5+ residential) | 0.02% |
| Commercial and industrial | 8.04% |
| Consumer | 1.99% |
| Credit cards | 0.00% |
| Farm | 37.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.90% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.84% |
| Construction concentration (Tier 1 capital + allowance) | 35.75% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.15% |
| Interest income on loans | $2.8M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $202.7M | $323.2M | 11.45% | 8.89% | 2.17% |
| Q1 2024 | $203.6M | $353.4M | 11.33% | 8.53% | 2.09% |
| Q2 2024 | $205.5M | $360.2M | 11.15% | 8.61% | 2.08% |
| Q3 2024 | $206.9M | $358.3M | 10.21% | 8.52% | 1.99% |
| Q4 2024 | $208.6M | $352.6M | 10.05% | 8.16% | 1.94% |
| Q1 2025 | $195.1M | $370.4M | 10.10% | 9.21% | 2.02% |
| Q2 2025 | $189.6M | $377.2M | 10.25% | 8.76% | 2.15% |
| Q3 2025 | $193.1M | $371.4M | 9.98% | 7.09% | 2.05% |
| Q4 2025 | $197.6M | $333.6M | 9.52% | 6.56% | 1.86% |
| Q1 2026 | $185.4M | $362.8M | 9.94% | 7.34% | 1.93% |
| Q2 2026 | $180.2M | $361.0M | 9.70% | 7.57% | 2.00% |
| Q3 2026 | $188.8M | $352.0M | 8.80% | 8.04% | 1.99% |
First Northeast Bank of Nebraska loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Northeast Bank of Nebraska, 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 Northeast Bank of Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5432) · FFIEC NIC profile (RSSD 208655)