Great Plains 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.
Cre concentration (tier 1 capital + allowance) climbed 7.20 percentage points in Q2 2026, from 135.86% to 143.06%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Great Plains State Bank is 41st of 138 on loan-to-deposit ratio, 91.88% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Great Plains State Bank sits 11.05 points higher, at 91.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $312.9M |
| Net loans and leases | $308.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.81% |
| Loan-to-deposit ratio | 91.88% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.54% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 19.41% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 19.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.06% |
| Construction concentration (Tier 1 capital + allowance) | 42.18% |
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 | 6.72% |
| Interest income on loans | $5.2M |
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 | $267.2M | $274.2M | 25.04% | 25.69% | 0.49% |
| Q4 2023 | $271.6M | $251.8M | 21.88% | 24.57% | 0.53% |
| Q1 2024 | $271.3M | $271.9M | 21.70% | 24.19% | 0.54% |
| Q2 2024 | $282.8M | $294.6M | 20.27% | 25.42% | 0.55% |
| Q3 2024 | $282.7M | $309.6M | 19.42% | 26.76% | 0.52% |
| Q4 2024 | $284.6M | $296.3M | 19.08% | 24.51% | 0.52% |
| Q1 2025 | $277.2M | $312.7M | 19.76% | 25.10% | 0.49% |
| Q2 2025 | $291.0M | $311.8M | 19.77% | 22.84% | 0.43% |
| Q3 2025 | $298.0M | $314.2M | 19.05% | 21.96% | 0.43% |
| Q4 2025 | $306.2M | $300.6M | 17.79% | 21.46% | 0.37% |
| Q1 2026 | $302.6M | $324.5M | 17.85% | 20.60% | 0.32% |
| Q2 2026 | $312.9M | $340.5M | 17.54% | 19.41% | 0.32% |
Great Plains State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Plains 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 Great Plains State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14058) · FFIEC NIC profile (RSSD 733559)