First State Bank 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.
Farm climbed 1.66 percentage points in Q2 2026, from 34.47% to 36.13%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First State Bank Nebraska is 42nd of 138 on loan-to-deposit ratio, 91.71% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First State Bank Nebraska sits 3.51 points higher, at 91.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $907.9M |
| Net loans and leases | $899.1M |
| Loans held for sale | $678K |
| Loans to total assets | 79.99% |
| Loan-to-deposit ratio | 91.71% |
| Net loans to equity capital | 7.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.52% |
| Multifamily (5+ residential) | 3.64% |
| Commercial and industrial | 14.44% |
| Consumer | 0.63% |
| Credit cards | 0.00% |
| Farm | 36.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.14% |
| Construction concentration (Tier 1 capital + allowance) | 17.75% |
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 | Q2 2026 |
|---|---|
| Yield on loans | 6.31% |
| Interest income on loans | $14.2M |
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 | $721.6M | $788.0M | 20.96% | 13.78% | 1.53% |
| Q4 2023 | $748.3M | $801.7M | 21.89% | 13.92% | 1.47% |
| Q1 2024 | $736.8M | $820.1M | 22.42% | 14.47% | 1.29% |
| Q2 2024 | $763.2M | $831.6M | 23.02% | 13.97% | 1.19% |
| Q3 2024 | $794.6M | $881.0M | 22.45% | 14.78% | 1.08% |
| Q4 2024 | $816.5M | $869.1M | 22.94% | 14.39% | 1.22% |
| Q1 2025 | $807.8M | $904.0M | 23.95% | 14.61% | 0.95% |
| Q2 2025 | $847.6M | $895.5M | 22.90% | 14.14% | 0.80% |
| Q3 2025 | $851.7M | $925.2M | 22.38% | 14.21% | 0.76% |
| Q4 2025 | $885.6M | $953.0M | 22.48% | 13.74% | 0.79% |
| Q1 2026 | $883.2M | $969.7M | 22.87% | 14.73% | 0.69% |
| Q2 2026 | $907.9M | $990.0M | 22.52% | 14.44% | 0.63% |
First State Bank Nebraska loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank 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 State Bank Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13868) · FFIEC NIC profile (RSSD 499453)