Henderson 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.17 percentage points higher than in Q1 2026, at 112.17%. On loan-to-deposit ratio, Henderson State Bank ranks 4th highest among the 138 banks headquartered in Nebraska, at 110.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Henderson State Bank sits 29.24 points higher, at 110.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $562.8M |
| Net loans and leases | $558.6M |
| Loans held for sale | $0 |
| Loans to total assets | 82.95% |
| Loan-to-deposit ratio | 110.19% |
| Net loans to equity capital | 8.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.13% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 11.56% |
| Consumer | 0.67% |
| Credit cards | 0.00% |
| Farm | 17.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.17% |
| Construction concentration (Tier 1 capital + allowance) | 2.49% |
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 | 7.26% |
| Interest income on loans | $9.8M |
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 | $261.0M | $230.2M | 15.98% | 13.43% | 0.62% |
| Q4 2023 | $274.4M | $254.7M | 12.30% | 12.82% | 0.49% |
| Q1 2024 | $279.6M | $244.3M | 12.09% | 12.68% | 0.53% |
| Q2 2024 | $285.3M | $268.4M | 11.51% | 13.03% | 0.53% |
| Q3 2024 | $296.2M | $297.4M | 11.07% | 12.49% | 0.43% |
| Q4 2024 | $378.3M | $386.5M | 9.36% | 14.37% | 0.84% |
| Q1 2025 | $407.0M | $419.0M | 13.53% | 11.61% | 0.80% |
| Q2 2025 | $449.2M | $432.6M | 13.52% | 12.64% | 0.70% |
| Q3 2025 | $493.3M | $444.7M | 15.40% | 11.32% | 0.93% |
| Q4 2025 | $512.3M | $483.6M | 15.39% | 10.88% | 0.71% |
| Q1 2026 | $519.3M | $479.2M | 15.94% | 11.89% | 1.04% |
| Q2 2026 | $562.8M | $510.7M | 18.13% | 11.56% | 0.67% |
Henderson State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Henderson 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 Henderson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17229) · FFIEC NIC profile (RSSD 97055)