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.
Loan-to-deposit ratio climbed 4.45 percentage points in Q2 2026, from 86.63% to 91.08%. It was the largest change from Q1 2026 among the key lines here. Nebraska State Bank ranks 44th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 91.08% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Nebraska State Bank sits 23.76 points higher, at 91.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.5M |
| Net loans and leases | $55.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.92% |
| Loan-to-deposit ratio | 91.08% |
| Net loans to equity capital | 4.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.61% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 69.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 7.66% |
| Interest income on loans | $1.1M |
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 | $53.4M | $51.7M | 1.49% | 4.07% | 0.09% |
| Q4 2023 | $53.1M | $53.5M | 1.53% | 4.30% | 0.05% |
| Q1 2024 | $48.8M | $50.0M | 1.52% | 4.97% | 0.01% |
| Q2 2024 | $54.9M | $52.9M | 1.32% | 4.32% | 0.05% |
| Q3 2024 | $54.6M | $53.3M | 1.30% | 4.29% | 0.04% |
| Q4 2024 | $56.7M | $56.9M | 1.52% | 3.92% | 0.04% |
| Q1 2025 | $54.0M | $58.3M | 1.58% | 4.02% | 0.04% |
| Q2 2025 | $56.7M | $55.7M | 1.59% | 1.76% | 0.03% |
| Q3 2025 | $55.9M | $54.8M | 2.07% | 1.69% | 0.03% |
| Q4 2025 | $52.5M | $57.7M | 2.18% | 1.80% | 0.03% |
| Q1 2026 | $53.5M | $61.8M | 2.10% | 1.51% | 0.02% |
| Q2 2026 | $55.5M | $61.0M | 2.00% | 1.61% | 0.02% |
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 9819) · FFIEC NIC profile (RSSD 911759)