Nevada 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.
Loan-to-deposit ratio dropped 4.51 percentage points in Q2 2026, from 39.10% to 34.59%. It was the largest change from Q1 2026 among the key lines here. Nevada Bank and Trust Company has the 2nd lowest loan-to-deposit ratio of the 14 banks headquartered in Nevada, at 34.59% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Nevada Bank and Trust Company reported 34.59% on loan-to-deposit ratio in Q2 2026, 46.25 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.5M |
| Net loans and leases | $66.6M |
| Loans held for sale | $0 |
| Loans to total assets | 31.04% |
| Loan-to-deposit ratio | 34.59% |
| Net loans to equity capital | 3.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.69% |
| Multifamily (5+ residential) | 6.64% |
| Commercial and industrial | 19.32% |
| Consumer | 16.54% |
| Credit cards | 0.00% |
| Farm | 1.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.39% |
| Construction concentration (Tier 1 capital + allowance) | 13.30% |
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 | 6.59% |
| Interest income on loans | $1.2M |
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 | $73.0M | $186.6M | 48.18% | 22.77% | 11.48% |
| Q4 2023 | $73.2M | $180.3M | 47.99% | 21.60% | 12.31% |
| Q1 2024 | $73.7M | $173.6M | 48.35% | 20.13% | 12.52% |
| Q2 2024 | $73.6M | $173.5M | 47.75% | 20.16% | 14.63% |
| Q3 2024 | $75.4M | $173.9M | 47.36% | 19.54% | 16.81% |
| Q4 2024 | $74.4M | $180.5M | 47.50% | 18.63% | 17.62% |
| Q1 2025 | $73.5M | $180.8M | 47.45% | 18.46% | 17.34% |
| Q2 2025 | $71.7M | $183.7M | 48.60% | 17.45% | 16.64% |
| Q3 2025 | $72.5M | $183.9M | 48.02% | 17.17% | 17.39% |
| Q4 2025 | $69.6M | $196.9M | 48.58% | 16.90% | 17.39% |
| Q1 2026 | $71.9M | $184.0M | 47.94% | 18.53% | 17.06% |
| Q2 2026 | $67.5M | $195.2M | 47.69% | 19.32% | 16.54% |
Nevada Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nevada 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 Nevada Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22669) · FFIEC NIC profile (RSSD 400767)