Riverstone 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): 7.84 percentage points higher than in Q1 2026, at 87.47%. Among 138 Nebraska banks, Riverstone Bank sits 12th from the top on loan-to-deposit ratio, 101.61% as of Q2 2026. Riverstone Bank reported 101.61% on loan-to-deposit ratio for Q2 2026, 20.78 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $514.2M |
| Net loans and leases | $507.9M |
| Loans held for sale | $823K |
| Loans to total assets | 86.64% |
| Loan-to-deposit ratio | 101.61% |
| Net loans to equity capital | 9.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.60% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 14.93% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 10.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.60% |
| Construction concentration (Tier 1 capital + allowance) | 87.47% |
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 | 6.54% |
| Interest income on loans | $8.4M |
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 | $390.9M | $448.2M | 36.74% | 17.83% | 1.41% |
| Q4 2023 | $411.4M | $463.5M | 36.18% | 18.80% | 1.18% |
| Q1 2024 | $407.2M | $468.6M | 35.22% | 21.11% | 1.23% |
| Q2 2024 | $400.1M | $467.0M | 35.77% | 20.47% | 1.29% |
| Q3 2024 | $422.4M | $455.2M | 37.37% | 15.43% | 1.22% |
| Q4 2024 | $438.1M | $452.4M | 38.54% | 14.16% | 1.18% |
| Q1 2025 | $444.6M | $454.5M | 39.74% | 15.49% | 1.20% |
| Q2 2025 | $447.1M | $475.0M | 37.12% | 15.81% | 1.24% |
| Q3 2025 | $462.9M | $476.9M | 37.18% | 15.29% | 1.21% |
| Q4 2025 | $486.1M | $467.0M | 37.22% | 14.01% | 1.11% |
| Q1 2026 | $510.4M | $486.4M | 38.94% | 13.82% | 1.10% |
| Q2 2026 | $514.2M | $506.0M | 37.60% | 14.93% | 1.05% |
Riverstone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Riverstone 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 Riverstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10641) · FFIEC NIC profile (RSSD 388557)