Platte Valley 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.
Construction concentration (tier 1 capital + allowance) climbed 4.87 percentage points in Q2 2026, from 22.98% to 27.85%. It was the largest change from Q1 2026 among the key lines here. Platte Valley Bank ranks 67th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 87.29% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Platte Valley Bank reported 87.29% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $935.7M |
| Net loans and leases | $922.8M |
| Loans held for sale | $1.3M |
| Loans to total assets | 74.97% |
| Loan-to-deposit ratio | 87.29% |
| Net loans to equity capital | 7.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.20% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 18.66% |
| Consumer | 6.85% |
| Credit cards | 0.36% |
| Farm | 11.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.99% |
| Construction concentration (Tier 1 capital + allowance) | 27.85% |
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 | 6.87% |
| Interest income on loans | $16.1M |
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 | $855.7M | $900.3M | 14.62% | 20.06% | 8.67% |
| Q4 2023 | $866.8M | $893.6M | 14.54% | 19.55% | 8.30% |
| Q1 2024 | $857.1M | $902.5M | 14.71% | 19.18% | 8.42% |
| Q2 2024 | $863.8M | $925.0M | 13.75% | 18.68% | 8.42% |
| Q3 2024 | $862.7M | $912.0M | 13.74% | 17.17% | 8.43% |
| Q4 2024 | $868.2M | $913.8M | 14.89% | 17.69% | 8.17% |
| Q1 2025 | $885.2M | $955.9M | 15.36% | 18.56% | 7.90% |
| Q2 2025 | $883.6M | $960.1M | 15.28% | 18.47% | 7.68% |
| Q3 2025 | $895.4M | $953.6M | 16.41% | 18.47% | 7.36% |
| Q4 2025 | $928.9M | $974.6M | 16.18% | 18.09% | 6.97% |
| Q1 2026 | $953.2M | $1.05B | 15.81% | 18.20% | 6.84% |
| Q2 2026 | $935.7M | $1.07B | 16.20% | 18.66% | 6.85% |
Platte Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Platte Valley 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 Platte Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34211) · FFIEC NIC profile (RSSD 2465881)