Nebraskaland 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 Q3 2026 was in Loan-to-deposit ratio: 3.90 percentage points higher than in Q2 2026, at 90.26%. Within Nebraska, Nebraskaland Bank is 53rd of 138 on loan-to-deposit ratio, 90.26% as of Q3 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Nebraskaland Bank reported 90.26% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $745.8M |
| Net loans and leases | $738.8M |
| Loans held for sale | $208K |
| Loans to total assets | 71.78% |
| Loan-to-deposit ratio | 90.26% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.75% |
| Multifamily (5+ residential) | 9.39% |
| Commercial and industrial | 12.30% |
| Consumer | 0.89% |
| Credit cards | 0.00% |
| Farm | 8.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.54% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.21% |
| Construction concentration (Tier 1 capital + allowance) | 22.96% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.94% |
| Interest income on loans | $11.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $656.8M | $714.2M | 37.11% | 13.16% | 0.64% |
| Q1 2024 | $669.2M | $715.6M | 36.14% | 15.27% | 0.60% |
| Q2 2024 | $664.8M | $746.9M | 37.79% | 15.04% | 0.55% |
| Q3 2024 | $631.9M | $751.4M | 40.57% | 13.23% | 0.70% |
| Q4 2024 | $662.8M | $719.5M | 39.40% | 13.62% | 0.89% |
| Q1 2025 | $680.9M | $740.2M | 36.63% | 15.42% | 0.77% |
| Q2 2025 | $690.6M | $723.6M | 36.36% | 13.84% | 0.64% |
| Q3 2025 | $702.1M | $749.1M | 35.73% | 14.04% | 0.95% |
| Q4 2025 | $709.3M | $751.8M | 34.93% | 12.17% | 0.85% |
| Q1 2026 | $731.9M | $773.3M | 33.60% | 12.54% | 0.89% |
| Q2 2026 | $737.3M | $853.7M | 33.25% | 12.31% | 1.00% |
| Q3 2026 | $745.8M | $826.2M | 34.75% | 12.30% | 0.89% |
Nebraskaland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraskaland 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 Nebraskaland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34811) · FFIEC NIC profile (RSSD 2667957)