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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 92.60 percentage points higher than in Q1 2026, at 143.38%. Within Nebraska, Nebraska State Bank is 123rd of 138 on loan-to-deposit ratio, 57.35% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Nebraska State Bank sits 10.28 points lower, at 57.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.8M |
| Net loans and leases | $18.6M |
| Loans held for sale | $0 |
| Loans to total assets | 51.47% |
| Loan-to-deposit ratio | 57.35% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.64% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.37% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 16.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.38% |
| 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 | 7.15% |
| Interest income on loans | $312K |
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 | $12.7M | $17.3M | 2.14% | 15.49% | 2.31% |
| Q4 2023 | $13.4M | $17.4M | 3.94% | 10.45% | 2.20% |
| Q1 2024 | $13.1M | $17.4M | 3.97% | 13.37% | 2.47% |
| Q2 2024 | $14.1M | $18.0M | 3.63% | 12.15% | 2.36% |
| Q3 2024 | $13.9M | $17.2M | 3.64% | 12.99% | 2.27% |
| Q4 2024 | $14.0M | $17.3M | 3.85% | 10.99% | 2.23% |
| Q1 2025 | $13.5M | $19.7M | 3.86% | 11.60% | 2.13% |
| Q2 2025 | $13.6M | $20.3M | 3.84% | 11.46% | 2.54% |
| Q3 2025 | $14.1M | $19.2M | 3.60% | 10.74% | 1.99% |
| Q4 2025 | $14.1M | $18.6M | 4.41% | 10.69% | 1.94% |
| Q1 2026 | $17.2M | $21.5M | 11.02% | 11.15% | 1.50% |
| Q2 2026 | $18.8M | $32.8M | 28.64% | 8.37% | 0.96% |
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 13696) · FFIEC NIC profile (RSSD 70955)