Horizon 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): 34.79 percentage points lower than in Q1 2026, at 397.43%. Horizon Bank ranks 76th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 84.84% (Q2 2026). Horizon Bank reported 84.84% on loan-to-deposit ratio for Q2 2026, 4.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $402.9M |
| Net loans and leases | $399.2M |
| Loans held for sale | $0 |
| Loans to total assets | 70.17% |
| Loan-to-deposit ratio | 84.84% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.24% |
| Multifamily (5+ residential) | 33.53% |
| Commercial and industrial | 3.34% |
| Consumer | 1.53% |
| Credit cards | 0.00% |
| Farm | 1.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 397.43% |
| Construction concentration (Tier 1 capital + allowance) | 206.99% |
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 | 7.69% |
| Interest income on loans | $7.8M |
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 | $318.0M | $333.3M | 4.24% | 4.22% | 0.62% |
| Q4 2023 | $331.1M | $331.1M | 3.82% | 3.80% | 0.69% |
| Q1 2024 | $349.6M | $358.7M | 3.68% | 3.72% | 0.50% |
| Q2 2024 | $372.0M | $378.1M | 3.48% | 4.14% | 0.46% |
| Q3 2024 | $371.1M | $376.7M | 2.97% | 4.61% | 0.47% |
| Q4 2024 | $368.1M | $379.1M | 3.32% | 3.83% | 0.50% |
| Q1 2025 | $378.0M | $387.3M | 3.19% | 4.17% | 0.67% |
| Q2 2025 | $382.1M | $409.6M | 3.05% | 3.04% | 0.43% |
| Q3 2025 | $411.6M | $423.3M | 2.38% | 4.41% | 1.36% |
| Q4 2025 | $406.9M | $424.1M | 3.61% | 5.21% | 0.34% |
| Q1 2026 | $415.1M | $445.8M | 3.28% | 3.36% | 1.49% |
| Q2 2026 | $402.9M | $474.9M | 3.24% | 3.34% | 1.53% |
Horizon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Horizon 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 Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14327) · FFIEC NIC profile (RSSD 663955)