Nebraska 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.
Cre concentration (tier 1 capital + allowance) dropped 32.39 percentage points in Q2 2026, from 173.09% to 140.69%. It was the largest change from Q1 2026 among the key lines here. Nebraska Bank ranks 81st of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 83.65% (Q2 2026). Nebraska Bank reported 83.65% on loan-to-deposit ratio for Q2 2026, 2.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $390.5M |
| Net loans and leases | $386.8M |
| Loans held for sale | $127K |
| Loans to total assets | 70.79% |
| Loan-to-deposit ratio | 83.65% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.80% |
| Multifamily (5+ residential) | 2.40% |
| Commercial and industrial | 10.22% |
| Consumer | 1.99% |
| Credit cards | 0.00% |
| Farm | 19.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.69% |
| Construction concentration (Tier 1 capital + allowance) | 41.72% |
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 | 6.78% |
| Interest income on loans | $6.6M |
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 | $339.9M | $367.5M | 24.67% | 12.44% | 1.38% |
| Q4 2023 | $343.8M | $374.2M | 25.07% | 11.59% | 1.29% |
| Q1 2024 | $340.3M | $380.9M | 25.58% | 11.61% | 1.31% |
| Q2 2024 | $339.8M | $383.4M | 25.40% | 12.91% | 1.33% |
| Q3 2024 | $342.8M | $375.8M | 22.64% | 11.76% | 1.42% |
| Q4 2024 | $346.7M | $382.6M | 22.23% | 12.15% | 1.32% |
| Q1 2025 | $344.4M | $387.8M | 23.50% | 11.05% | 2.33% |
| Q2 2025 | $333.9M | $396.3M | 25.54% | 11.67% | 2.38% |
| Q3 2025 | $346.9M | $398.1M | 24.33% | 9.58% | 2.30% |
| Q4 2025 | $356.5M | $405.1M | 24.27% | 9.69% | 2.13% |
| Q1 2026 | $386.9M | $427.9M | 22.78% | 8.54% | 2.11% |
| Q2 2026 | $390.5M | $466.9M | 22.80% | 10.22% | 1.99% |
Nebraska Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska 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 Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16116) · FFIEC NIC profile (RSSD 143859)