Nebraska Bank of Commerce: 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 24.65 percentage points in Q2 2026, from 365.42% to 340.77%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Nebraska Bank of Commerce ranks 8th highest among the 138 banks headquartered in Nebraska, at 105.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Nebraska Bank of Commerce sits 24.13 points higher, at 105.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $215.3M |
| Net loans and leases | $212.6M |
| Loans held for sale | $298K |
| Loans to total assets | 89.25% |
| Loan-to-deposit ratio | 105.07% |
| Net loans to equity capital | 9.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.37% |
| Multifamily (5+ residential) | 6.55% |
| Commercial and industrial | 10.71% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 3.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 340.77% |
| Construction concentration (Tier 1 capital + allowance) | 54.88% |
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 | 6.85% |
| Interest income on loans | $3.7M |
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 | $160.0M | $144.9M | 49.19% | 11.88% | 0.52% |
| Q4 2023 | $163.2M | $148.2M | 49.67% | 11.93% | 0.37% |
| Q1 2024 | $162.5M | $160.6M | 49.24% | 10.64% | 0.39% |
| Q2 2024 | $164.5M | $161.3M | 48.30% | 10.78% | 0.44% |
| Q3 2024 | $166.9M | $164.9M | 47.86% | 10.53% | 0.44% |
| Q4 2024 | $173.8M | $168.1M | 47.46% | 10.24% | 0.56% |
| Q1 2025 | $176.2M | $170.9M | 47.80% | 10.43% | 0.68% |
| Q2 2025 | $183.0M | $181.1M | 44.01% | 9.68% | 0.67% |
| Q3 2025 | $197.3M | $184.8M | 43.50% | 10.32% | 0.69% |
| Q4 2025 | $202.5M | $193.4M | 40.99% | 9.65% | 0.64% |
| Q1 2026 | $214.2M | $199.8M | 42.04% | 9.26% | 0.54% |
| Q2 2026 | $215.3M | $204.9M | 37.37% | 10.71% | 0.36% |
Nebraska Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska Bank of Commerce, 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 of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58724) · FFIEC NIC profile (RSSD 3614846)