Hershey 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 Loans to total assets: 4.39 percentage points higher than in Q1 2026, at 86.38%. Among 138 Nebraska banks, Hershey Bank sits 2nd from the top on loan-to-deposit ratio, 111.81% as of Q2 2026. Hershey Bank reported 111.81% on loan-to-deposit ratio for Q2 2026, 31.26 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.9M |
| Net loans and leases | $120.2M |
| Loans held for sale | $0 |
| Loans to total assets | 86.38% |
| Loan-to-deposit ratio | 111.81% |
| Net loans to equity capital | 6.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.36% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 25.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 93.41% |
| Construction concentration (Tier 1 capital + allowance) | 7.41% |
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 | 6.68% |
| Interest income on loans | $1.9M |
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 | $80.4M | $80.1M | 15.69% | 10.35% | 3.88% |
| Q4 2023 | $77.9M | $78.5M | 16.92% | 11.53% | 3.46% |
| Q1 2024 | $75.0M | $77.5M | 17.28% | 11.26% | 3.30% |
| Q2 2024 | $83.9M | $78.6M | 16.14% | 11.54% | 2.72% |
| Q3 2024 | $97.1M | $85.5M | 14.48% | 15.85% | 2.22% |
| Q4 2024 | $102.3M | $86.7M | 14.98% | 14.63% | 1.87% |
| Q1 2025 | $100.5M | $92.1M | 15.52% | 14.80% | 1.65% |
| Q2 2025 | $103.9M | $92.4M | 16.18% | 18.08% | 1.63% |
| Q3 2025 | $117.0M | $98.7M | 19.91% | 15.99% | 1.39% |
| Q4 2025 | $116.6M | $100.6M | 20.64% | 16.33% | 1.17% |
| Q1 2026 | $113.7M | $105.2M | 21.31% | 15.77% | 1.18% |
| Q2 2026 | $121.9M | $109.0M | 22.96% | 17.36% | 1.16% |
Hershey Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hershey 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 Hershey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19809) · FFIEC NIC profile (RSSD 96553)