Premier Bank N.A.: 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 17.07 percentage points in Q2 2026, from 121.33% to 138.40%. It was the largest change from Q1 2026 among the key lines here. Premier Bank N.A. ranks 83rd of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 83.30% (Q2 2026). Premier Bank N.A. reported 83.30% on loan-to-deposit ratio for Q2 2026, 2.47 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.5M |
| Net loans and leases | $244.4M |
| Loans held for sale | $240K |
| Loans to total assets | 72.28% |
| Loan-to-deposit ratio | 83.30% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.91% |
| Multifamily (5+ residential) | 4.22% |
| Commercial and industrial | 9.46% |
| Consumer | 0.11% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.70% |
| Construction concentration (Tier 1 capital + allowance) | 138.40% |
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 | 6.34% |
| Interest income on loans | $3.9M |
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 | $259.3M | $282.5M | 50.61% | 8.15% | 0.26% |
| Q4 2023 | $261.0M | $280.6M | 50.50% | 8.32% | 0.29% |
| Q1 2024 | $260.3M | $276.8M | 52.57% | 7.26% | 0.30% |
| Q2 2024 | $269.3M | $288.8M | 50.25% | 8.01% | 0.29% |
| Q3 2024 | $257.2M | $280.0M | 51.98% | 7.28% | 0.23% |
| Q4 2024 | $264.6M | $283.1M | 52.45% | 9.18% | 0.24% |
| Q1 2025 | $269.0M | $294.0M | 50.74% | 8.07% | 0.22% |
| Q2 2025 | $261.6M | $295.5M | 50.65% | 7.34% | 0.17% |
| Q3 2025 | $266.5M | $287.5M | 49.15% | 6.68% | 0.17% |
| Q4 2025 | $260.6M | $288.0M | 48.15% | 9.43% | 0.15% |
| Q1 2026 | $247.2M | $313.9M | 49.00% | 8.70% | 0.12% |
| Q2 2026 | $247.5M | $297.1M | 46.91% | 9.46% | 0.11% |
Premier Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank N.A., 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 Premier Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12493) · FFIEC NIC profile (RSSD 860259)