Home Federal Savings and Loan Association of Grand Island: 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): 17.78 percentage points lower than in Q1 2026, at 149.42%. Within Nebraska, Home Federal Savings and Loan Association of Grand Island is 35th of 138 on loan-to-deposit ratio, 92.88% 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. Home Federal Savings and Loan Association of Grand Island sits 12.04 points higher, at 92.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $447.7M |
| Net loans and leases | $441.9M |
| Loans held for sale | $845K |
| Loans to total assets | 79.55% |
| Loan-to-deposit ratio | 92.88% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.46% |
| Multifamily (5+ residential) | 8.59% |
| Commercial and industrial | 9.56% |
| Consumer | 1.95% |
| Credit cards | 0.00% |
| Farm | 8.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.42% |
| Construction concentration (Tier 1 capital + allowance) | 35.89% |
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 | 6.11% |
| Interest income on loans | $6.8M |
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 | $367.1M | $408.2M | 29.13% | 8.41% | 6.36% |
| Q4 2023 | $376.1M | $385.7M | 32.94% | 9.06% | 5.87% |
| Q1 2024 | $380.2M | $393.4M | 32.46% | 9.22% | 5.24% |
| Q2 2024 | $389.6M | $394.5M | 32.10% | 8.49% | 4.78% |
| Q3 2024 | $399.1M | $409.1M | 31.48% | 7.67% | 4.42% |
| Q4 2024 | $404.9M | $411.8M | 30.80% | 7.53% | 3.94% |
| Q1 2025 | $402.2M | $433.7M | 29.91% | 7.96% | 3.62% |
| Q2 2025 | $413.2M | $417.6M | 30.21% | 7.83% | 3.38% |
| Q3 2025 | $422.3M | $424.7M | 30.10% | 9.16% | 2.88% |
| Q4 2025 | $430.3M | $456.6M | 30.02% | 10.42% | 2.72% |
| Q1 2026 | $448.3M | $477.1M | 28.84% | 10.79% | 2.21% |
| Q2 2026 | $447.7M | $482.1M | 31.46% | 9.56% | 1.95% |
Home Federal Savings and Loan Association of Grand Island loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association of Grand Island, 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 Home Federal Savings and Loan Association of Grand Island profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29476) · FFIEC NIC profile (RSSD 317379)