Nebraska State Bank and Trust Company: 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 7.06 percentage points in Q2 2026, from 60.70% to 53.64%. It was the largest change from Q1 2026 among the key lines here. Nebraska State Bank and Trust Company ranks 24th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 95.26% (Q2 2026). Nebraska State Bank and Trust Company reported 95.26% on loan-to-deposit ratio for Q2 2026, 14.31 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $222.6M |
| Net loans and leases | $219.9M |
| Loans held for sale | $0 |
| Loans to total assets | 77.90% |
| Loan-to-deposit ratio | 95.26% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.64% |
| Multifamily (5+ residential) | 1.24% |
| Commercial and industrial | 13.78% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 29.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.64% |
| Construction concentration (Tier 1 capital + allowance) | 10.62% |
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 | 6.47% |
| Interest income on loans | $3.6M |
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 | $212.9M | $226.2M | 16.40% | 10.14% | 4.42% |
| Q4 2023 | $218.0M | $229.5M | 16.15% | 10.50% | 4.12% |
| Q1 2024 | $214.6M | $216.5M | 16.56% | 10.83% | 4.16% |
| Q2 2024 | $225.4M | $229.0M | 15.86% | 10.84% | 3.99% |
| Q3 2024 | $223.2M | $226.9M | 15.95% | 9.51% | 3.86% |
| Q4 2024 | $235.5M | $227.7M | 18.48% | 9.59% | 3.80% |
| Q1 2025 | $225.0M | $217.5M | 18.98% | 9.08% | 3.68% |
| Q2 2025 | $221.9M | $226.4M | 16.81% | 11.88% | 3.66% |
| Q3 2025 | $225.4M | $230.3M | 15.38% | 13.01% | 3.52% |
| Q4 2025 | $221.7M | $236.0M | 14.53% | 12.99% | 3.57% |
| Q1 2026 | $219.7M | $231.8M | 14.37% | 12.04% | 3.45% |
| Q2 2026 | $222.6M | $233.7M | 13.64% | 13.78% | 3.27% |
Nebraska State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska State Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8322) · FFIEC NIC profile (RSSD 412153)