Legends West 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): 4.87 percentage points higher than in Q1 2026, at 237.94%. Within Nebraska, Legends West Bank is 28th of 138 on loan-to-deposit ratio, 94.51% as of Q2 2026, above the middle of the field. Legends West Bank reported 94.51% on loan-to-deposit ratio for Q2 2026, 13.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.2M |
| Net loans and leases | $127.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.89% |
| Loan-to-deposit ratio | 94.51% |
| Net loans to equity capital | 7.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.71% |
| Multifamily (5+ residential) | 3.00% |
| Commercial and industrial | 14.69% |
| Consumer | 2.25% |
| Credit cards | 0.00% |
| Farm | 13.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.94% |
| Construction concentration (Tier 1 capital + allowance) | 201.32% |
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 | 7.51% |
| Interest income on loans | $2.4M |
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 | $15.0M | $18.2M | 2.90% | 15.77% | 2.01% |
| Q4 2023 | $26.8M | $22.7M | 5.77% | 12.55% | 1.51% |
| Q1 2024 | $35.2M | $33.4M | 5.80% | 12.73% | 1.31% |
| Q2 2024 | $49.6M | $43.5M | 14.12% | 19.59% | 1.23% |
| Q3 2024 | $61.0M | $59.2M | 18.69% | 21.11% | 1.23% |
| Q4 2024 | $64.9M | $65.0M | 20.75% | 15.61% | 1.28% |
| Q1 2025 | $75.8M | $73.9M | 19.38% | 15.85% | 3.04% |
| Q2 2025 | $92.5M | $90.9M | 19.97% | 13.24% | 2.89% |
| Q3 2025 | $107.8M | $110.0M | 20.02% | 13.53% | 2.77% |
| Q4 2025 | $119.8M | $131.8M | 18.33% | 11.72% | 2.40% |
| Q1 2026 | $127.5M | $135.4M | 18.10% | 13.39% | 2.25% |
| Q2 2026 | $129.2M | $136.7M | 17.71% | 14.69% | 2.25% |
Legends West Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legends West 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 Legends West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5425) · FFIEC NIC profile (RSSD 13457)