First Tri-County 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.
The standout move of Q3 2026 was in Loan-to-deposit ratio: 9.35 percentage points higher than in Q2 2026, at 75.15%. Within Nebraska, First Tri-County Bank is 107th of 138 on loan-to-deposit ratio, 75.15% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. First Tri-County Bank sits 7.23 points higher, at 75.15% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $49.2M |
| Net loans and leases | $48.7M |
| Loans held for sale | $0 |
| Loans to total assets | 67.09% |
| Loan-to-deposit ratio | 75.15% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.07% |
| Multifamily (5+ residential) | 3.68% |
| Commercial and industrial | 13.43% |
| Consumer | 4.77% |
| Credit cards | 0.00% |
| Farm | 24.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.00% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.04% |
| Interest income on loans | $705K |
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 | $51.1M | $60.2M | 2.40% | 11.89% | 5.10% |
| Q1 2024 | $48.7M | $62.8M | 2.69% | 13.23% | 5.19% |
| Q2 2024 | $50.6M | $61.4M | 2.56% | 12.73% | 4.67% |
| Q3 2024 | $51.7M | $60.0M | 2.43% | 14.57% | 4.41% |
| Q4 2024 | $51.4M | $62.8M | 2.41% | 12.96% | 6.17% |
| Q1 2025 | $48.6M | $63.8M | 2.48% | 14.70% | 5.83% |
| Q2 2025 | $51.4M | $64.7M | 2.20% | 14.41% | 5.47% |
| Q3 2025 | $51.6M | $64.3M | 2.16% | 12.32% | 5.79% |
| Q4 2025 | $50.4M | $66.5M | 2.18% | 12.05% | 5.85% |
| Q1 2026 | $46.6M | $68.3M | 2.29% | 13.82% | 4.80% |
| Q2 2026 | $46.5M | $70.7M | 2.27% | 14.19% | 4.81% |
| Q3 2026 | $49.2M | $65.5M | 2.07% | 13.43% | 4.77% |
First Tri-County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Tri-County 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 Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8333) · FFIEC NIC profile (RSSD 570651)