Firstier 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 Q2 2026 was in Loan-to-deposit ratio: 8.78 percentage points higher than in Q1 2026, at 92.50%. Firstier Bank ranks 38th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 92.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Firstier Bank sits 4.30 points higher, at 92.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $816.9M |
| Net loans and leases | $801.8M |
| Loans held for sale | $724K |
| Loans to total assets | 77.93% |
| Loan-to-deposit ratio | 92.50% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.92% |
| Multifamily (5+ residential) | 6.59% |
| Commercial and industrial | 9.72% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 3.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 315.09% |
| Construction concentration (Tier 1 capital + allowance) | 147.08% |
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 | 7.05% |
| Interest income on loans | $14.1M |
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 | $758.8M | $815.3M | 30.39% | 7.36% | 1.13% |
| Q4 2023 | $760.1M | $795.8M | 31.15% | 7.12% | 1.15% |
| Q1 2024 | $771.7M | $808.7M | 30.73% | 6.85% | 1.12% |
| Q2 2024 | $774.5M | $827.2M | 32.27% | 7.86% | 1.15% |
| Q3 2024 | $772.0M | $785.7M | 32.02% | 7.63% | 1.16% |
| Q4 2024 | $773.1M | $750.7M | 33.19% | 7.77% | 1.17% |
| Q1 2025 | $772.3M | $817.2M | 34.56% | 7.64% | 1.17% |
| Q2 2025 | $800.5M | $894.2M | 32.51% | 7.80% | 1.10% |
| Q3 2025 | $810.0M | $909.4M | 31.37% | 8.63% | 1.11% |
| Q4 2025 | $785.4M | $919.2M | 33.92% | 8.60% | 1.07% |
| Q1 2026 | $795.1M | $949.7M | 34.54% | 8.42% | 0.97% |
| Q2 2026 | $816.9M | $883.2M | 34.92% | 9.72% | 0.99% |
Firstier Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstier 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 Firstier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17478) · FFIEC NIC profile (RSSD 536554)