Heartland 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 CRE concentration (Tier 1 capital + allowance): 3.38 percentage points higher than in Q1 2026, at 86.90%. Within Nebraska, Heartland Bank is 71st of 138 on loan-to-deposit ratio, 86.41% as of Q2 2026, below the middle of the field. Heartland Bank reported 86.41% on loan-to-deposit ratio for Q2 2026, 5.58 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $652.1M |
| Net loans and leases | $644.9M |
| Loans held for sale | $0 |
| Loans to total assets | 71.57% |
| Loan-to-deposit ratio | 86.41% |
| Net loans to equity capital | 6.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.04% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 31.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.90% |
| Construction concentration (Tier 1 capital + allowance) | 40.16% |
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 | 6.89% |
| Interest income on loans | $11.2M |
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 | $507.2M | $629.3M | 13.62% | 8.18% | 1.03% |
| Q4 2023 | $534.4M | $651.8M | 15.46% | 8.48% | 0.92% |
| Q1 2024 | $540.4M | $698.7M | 15.22% | 8.51% | 1.12% |
| Q2 2024 | $559.8M | $680.3M | 14.69% | 7.73% | 1.04% |
| Q3 2024 | $575.0M | $659.0M | 14.82% | 6.60% | 0.94% |
| Q4 2024 | $619.0M | $667.4M | 18.36% | 6.06% | 0.85% |
| Q1 2025 | $619.7M | $690.1M | 21.45% | 6.45% | 0.80% |
| Q2 2025 | $634.9M | $717.4M | 20.97% | 6.32% | 0.80% |
| Q3 2025 | $663.7M | $696.6M | 20.92% | 5.49% | 0.70% |
| Q4 2025 | $665.7M | $713.2M | 20.40% | 6.75% | 0.68% |
| Q1 2026 | $641.8M | $768.6M | 20.23% | 7.53% | 0.68% |
| Q2 2026 | $652.1M | $754.6M | 19.56% | 7.04% | 0.72% |
Heartland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heartland 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 Heartland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18740) · FFIEC NIC profile (RSSD 88455)