Homestead 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.
Loan-to-deposit ratio dropped 4.17 percentage points in Q2 2026, from 85.36% to 81.19%. It was the largest change from Q1 2026 among the key lines here. Homestead Bank ranks 87th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 81.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Homestead Bank reported 81.19% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $335.8M |
| Net loans and leases | $331.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.54% |
| Loan-to-deposit ratio | 81.19% |
| Net loans to equity capital | 3.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.83% |
| Consumer | 2.24% |
| Credit cards | 0.00% |
| Farm | 40.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 20.95% |
| Construction concentration (Tier 1 capital + allowance) | 3.60% |
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 | 6.74% |
| Interest income on loans | $5.7M |
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 | $307.9M | $362.4M | 8.63% | 9.18% | 4.55% |
| Q4 2023 | $329.6M | $367.6M | 8.12% | 8.70% | 4.20% |
| Q1 2024 | $324.4M | $373.4M | 8.19% | 8.56% | 3.72% |
| Q2 2024 | $328.6M | $377.8M | 8.14% | 8.73% | 3.73% |
| Q3 2024 | $325.8M | $390.6M | 8.28% | 8.10% | 3.42% |
| Q4 2024 | $355.8M | $395.3M | 7.40% | 7.50% | 3.71% |
| Q1 2025 | $344.7M | $400.4M | 7.60% | 7.33% | 2.93% |
| Q2 2025 | $342.4M | $396.4M | 7.72% | 7.12% | 2.58% |
| Q3 2025 | $334.8M | $394.8M | 7.61% | 7.30% | 2.59% |
| Q4 2025 | $372.0M | $399.7M | 6.80% | 6.41% | 2.64% |
| Q1 2026 | $348.4M | $408.1M | 6.05% | 6.72% | 2.12% |
| Q2 2026 | $335.8M | $413.6M | 6.45% | 6.83% | 2.24% |
Homestead Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11482) · FFIEC NIC profile (RSSD 140157)