Minden Exchange Bank & Trust Company: 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 climbed 7.72 percentage points in Q2 2026, from 66.80% to 74.52%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Minden Exchange Bank & Trust Company is 108th of 138 on loan-to-deposit ratio, 74.52% as of Q2 2026, below the middle of the field. Minden Exchange Bank & Trust Company reported 74.52% on loan-to-deposit ratio for Q2 2026, 6.42 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.2M |
| Net loans and leases | $107.8M |
| Loans held for sale | $0 |
| Loans to total assets | 54.19% |
| Loan-to-deposit ratio | 74.52% |
| Net loans to equity capital | 2.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.12% |
| Consumer | 3.98% |
| Credit cards | 0.00% |
| Farm | 18.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.50% |
| Construction concentration (Tier 1 capital + allowance) | 0.36% |
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 | 6.83% |
| Interest income on loans | $1.8M |
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 | $92.0M | $135.3M | 19.26% | 6.68% | 4.14% |
| Q4 2023 | $89.5M | $134.2M | 20.08% | 8.18% | 4.20% |
| Q1 2024 | $83.4M | $146.3M | 21.16% | 8.99% | 4.58% |
| Q2 2024 | $88.4M | $138.3M | 18.60% | 9.55% | 4.44% |
| Q3 2024 | $99.3M | $136.2M | 16.32% | 9.02% | 4.16% |
| Q4 2024 | $96.0M | $142.2M | 16.79% | 13.94% | 4.31% |
| Q1 2025 | $91.9M | $149.4M | 17.89% | 10.72% | 4.53% |
| Q2 2025 | $100.9M | $146.2M | 16.04% | 10.69% | 4.30% |
| Q3 2025 | $112.0M | $138.7M | 14.16% | 10.79% | 4.11% |
| Q4 2025 | $107.8M | $142.2M | 14.56% | 15.43% | 4.30% |
| Q1 2026 | $100.9M | $151.1M | 13.47% | 14.80% | 4.48% |
| Q2 2026 | $109.2M | $146.5M | 12.99% | 18.12% | 3.98% |
Minden Exchange Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Minden Exchange Bank & Trust Company, 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 Minden Exchange Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5439) · FFIEC NIC profile (RSSD 456054)