Nebraska State 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) climbed 80.30 percentage points in Q2 2026, from 8.86% to 89.16%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Nebraska State Bank is 14th from the bottom among 138 Nebraska banks, 56.59% (Q2 2026). Nebraska State Bank reported 56.59% on loan-to-deposit ratio for Q2 2026, 10.73 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.6M |
| Net loans and leases | $12.5M |
| Loans held for sale | $0 |
| Loans to total assets | 49.67% |
| Loan-to-deposit ratio | 56.59% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.44% |
| Consumer | 1.65% |
| Credit cards | 0.00% |
| Farm | 26.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.16% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.41% |
| Interest income on loans | $165K |
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 | $9.2M | $15.8M | 0.00% | 11.29% | 3.40% |
| Q4 2023 | $9.2M | $14.6M | 0.00% | 9.60% | 3.30% |
| Q1 2024 | $8.6M | $15.2M | 0.00% | 10.87% | 3.31% |
| Q2 2024 | $8.8M | $16.3M | 0.00% | 11.60% | 2.85% |
| Q3 2024 | $8.6M | $15.5M | 0.00% | 11.29% | 2.81% |
| Q4 2024 | $8.3M | $15.1M | 0.00% | 9.82% | 2.84% |
| Q1 2025 | $7.8M | $16.5M | 0.00% | 9.02% | 3.19% |
| Q2 2025 | $7.2M | $17.0M | 0.00% | 10.63% | 2.63% |
| Q3 2025 | $7.1M | $17.4M | 0.00% | 9.88% | 3.26% |
| Q4 2025 | $7.6M | $17.9M | 0.53% | 13.85% | 2.91% |
| Q1 2026 | $10.0M | $21.8M | 2.74% | 12.73% | 2.20% |
| Q2 2026 | $12.6M | $22.3M | 22.14% | 9.44% | 1.65% |
Nebraska State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16516) · FFIEC NIC profile (RSSD 514057)