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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.76 percentage points higher than in Q1 2026, at 14.61%. Platte Valley Bank ranks 124th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 57.00% (Q2 2026). Platte Valley Bank reported 57.00% on loan-to-deposit ratio for Q2 2026, 23.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.9M |
| Net loans and leases | $52.2M |
| Loans held for sale | $0 |
| Loans to total assets | 49.37% |
| Loan-to-deposit ratio | 57.00% |
| Net loans to equity capital | 3.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.89% |
| Consumer | 4.15% |
| Credit cards | 0.00% |
| Farm | 19.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.30% |
| Construction concentration (Tier 1 capital + allowance) | 14.61% |
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 | 6.85% |
| Interest income on loans | $907K |
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 | $43.7M | $86.3M | 5.78% | 17.69% | 6.36% |
| Q4 2023 | $45.8M | $84.4M | 5.69% | 13.39% | 6.75% |
| Q1 2024 | $42.6M | $83.5M | 5.99% | 15.51% | 6.43% |
| Q2 2024 | $44.3M | $85.5M | 5.65% | 17.30% | 8.24% |
| Q3 2024 | $46.6M | $85.2M | 5.80% | 17.31% | 7.74% |
| Q4 2024 | $52.8M | $86.5M | 5.00% | 15.08% | 6.59% |
| Q1 2025 | $47.6M | $87.3M | 5.49% | 14.40% | 5.46% |
| Q2 2025 | $45.7M | $89.1M | 5.62% | 14.53% | 5.74% |
| Q3 2025 | $49.0M | $89.1M | 4.97% | 15.25% | 5.45% |
| Q4 2025 | $54.7M | $88.4M | 4.17% | 16.53% | 4.69% |
| Q1 2026 | $50.8M | $91.8M | 4.60% | 15.38% | 4.53% |
| Q2 2026 | $52.9M | $92.9M | 3.60% | 15.89% | 4.15% |
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 9818) · FFIEC NIC profile (RSSD 45056)