Jones 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): 6.35 percentage points lower than in Q1 2026, at 28.53%. Within Nebraska, Jones Bank is 113th of 138 on loan-to-deposit ratio, 69.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Jones Bank sits 11.83 points lower, at 69.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $255.9M |
| Net loans and leases | $251.7M |
| Loans held for sale | $0 |
| Loans to total assets | 58.00% |
| Loan-to-deposit ratio | 69.01% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.75% |
| Multifamily (5+ residential) | 5.31% |
| Commercial and industrial | 11.16% |
| Consumer | 1.90% |
| Credit cards | 0.00% |
| Farm | 20.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.45% |
| Construction concentration (Tier 1 capital + allowance) | 28.53% |
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 | 6.52% |
| Interest income on loans | $4.1M |
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 | $233.3M | $341.0M | 11.17% | 14.16% | 3.50% |
| Q4 2023 | $237.3M | $342.4M | 10.70% | 14.68% | 3.34% |
| Q1 2024 | $240.1M | $349.7M | 10.79% | 13.81% | 3.50% |
| Q2 2024 | $248.5M | $346.5M | 10.29% | 13.49% | 3.28% |
| Q3 2024 | $264.3M | $343.4M | 9.91% | 13.43% | 3.29% |
| Q4 2024 | $267.1M | $355.5M | 13.32% | 13.53% | 3.09% |
| Q1 2025 | $255.6M | $377.5M | 12.45% | 13.60% | 3.07% |
| Q2 2025 | $259.0M | $361.4M | 12.23% | 12.01% | 2.93% |
| Q3 2025 | $255.5M | $355.4M | 12.04% | 11.33% | 2.41% |
| Q4 2025 | $253.6M | $348.9M | 12.25% | 11.37% | 2.19% |
| Q1 2026 | $248.8M | $369.5M | 12.37% | 10.05% | 2.13% |
| Q2 2026 | $255.9M | $370.8M | 12.75% | 11.16% | 1.90% |
Jones Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jones 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 Jones Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5473) · FFIEC NIC profile (RSSD 469559)