First State Bank: 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 2.64 percentage points in Q2 2026, from 87.62% to 90.26%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 51st of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.26% (Q2 2026). First State Bank reported 90.26% on loan-to-deposit ratio for Q2 2026, 9.71 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.6M |
| Net loans and leases | $174.5M |
| Loans held for sale | $0 |
| Loans to total assets | 75.97% |
| Loan-to-deposit ratio | 90.26% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.51% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 12.57% |
| Consumer | 3.16% |
| Credit cards | 0.00% |
| Farm | 17.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.59% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.59% |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | $149.7M | $178.5M | 5.99% | 10.48% | 3.74% |
| Q4 2023 | $153.1M | $186.1M | 6.89% | 11.20% | 3.75% |
| Q1 2024 | $148.3M | $177.8M | 7.24% | 12.93% | 4.05% |
| Q2 2024 | $155.6M | $182.1M | 7.20% | 12.56% | 3.79% |
| Q3 2024 | $162.1M | $185.9M | 7.28% | 12.86% | 3.76% |
| Q4 2024 | $161.2M | $194.9M | 7.27% | 12.55% | 3.69% |
| Q1 2025 | $157.9M | $186.3M | 8.01% | 11.91% | 3.86% |
| Q2 2025 | $158.8M | $182.1M | 8.00% | 12.09% | 3.76% |
| Q3 2025 | $171.1M | $187.6M | 8.64% | 11.71% | 3.58% |
| Q4 2025 | $166.3M | $199.0M | 9.13% | 12.04% | 3.50% |
| Q1 2026 | $170.7M | $194.8M | 8.59% | 12.66% | 3.31% |
| Q2 2026 | $176.6M | $195.7M | 8.51% | 12.57% | 3.16% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16333) · FFIEC NIC profile (RSSD 172859)