I3 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 Construction concentration (Tier 1 capital + allowance): 22.91 percentage points lower than in Q1 2026, at 80.23%. I3 Bank ranks 65th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 87.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. I3 Bank sits 6.46 points higher, at 87.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $171.1M |
| Net loans and leases | $168.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.88% |
| Loan-to-deposit ratio | 87.41% |
| Net loans to equity capital | 9.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.95% |
| Multifamily (5+ residential) | 14.82% |
| Commercial and industrial | 19.33% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 2.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 304.69% |
| Construction concentration (Tier 1 capital + allowance) | 80.23% |
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 | 6.75% |
| Interest income on loans | $3.0M |
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 | $140.0M | $163.9M | 18.63% | 30.33% | 3.55% |
| Q4 2023 | $142.9M | $163.2M | 18.53% | 31.20% | 2.97% |
| Q1 2024 | $145.1M | $159.6M | 18.82% | 30.38% | 2.52% |
| Q2 2024 | $141.8M | $171.3M | 17.79% | 30.99% | 2.14% |
| Q3 2024 | $145.7M | $178.7M | 18.60% | 30.49% | 1.73% |
| Q4 2024 | $155.8M | $181.8M | 21.26% | 29.17% | 1.39% |
| Q1 2025 | $149.9M | $185.1M | 24.30% | 28.43% | 1.25% |
| Q2 2025 | $151.4M | $186.4M | 25.62% | 27.49% | 1.11% |
| Q3 2025 | $169.3M | $184.4M | 25.99% | 26.14% | 0.81% |
| Q4 2025 | $171.9M | $172.3M | 25.44% | 23.82% | 0.67% |
| Q1 2026 | $177.1M | $197.3M | 26.27% | 20.99% | 0.94% |
| Q2 2026 | $171.1M | $195.8M | 29.95% | 19.33% | 0.43% |
I3 Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock I3 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 I3 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8595) · FFIEC NIC profile (RSSD 348159)