Sandhills State 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 CRE concentration (Tier 1 capital + allowance): 29.21 percentage points higher than in Q1 2026, at 72.53%. Within Nebraska, Sandhills State Bank is 93rd of 138 on loan-to-deposit ratio, 80.22% as of Q2 2026, below the middle of the field. At 80.22%, Sandhills State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $278.4M |
| Net loans and leases | $275.4M |
| Loans held for sale | $0 |
| Loans to total assets | 72.75% |
| Loan-to-deposit ratio | 80.22% |
| Net loans to equity capital | 8.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.65% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 29.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.53% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.39% |
| Interest income on loans | $4.3M |
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 | $251.8M | $293.2M | 7.71% | 19.15% | 1.29% |
| Q4 2023 | $259.4M | $300.5M | 7.73% | 19.33% | 1.14% |
| Q1 2024 | $251.5M | $304.5M | 7.60% | 19.74% | 1.06% |
| Q2 2024 | $265.1M | $301.2M | 6.90% | 18.83% | 1.03% |
| Q3 2024 | $265.6M | $322.3M | 6.61% | 20.91% | 1.03% |
| Q4 2024 | $269.1M | $316.9M | 6.47% | 21.18% | 0.93% |
| Q1 2025 | $261.0M | $312.4M | 6.55% | 21.22% | 0.94% |
| Q2 2025 | $269.5M | $305.8M | 7.31% | 20.36% | 0.92% |
| Q3 2025 | $259.7M | $335.7M | 7.43% | 19.82% | 0.91% |
| Q4 2025 | $270.0M | $357.4M | 7.74% | 18.75% | 0.81% |
| Q1 2026 | $262.0M | $339.9M | 8.30% | 16.62% | 0.79% |
| Q2 2026 | $278.4M | $347.1M | 11.00% | 17.65% | 0.76% |
Sandhills State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sandhills State 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 Sandhills State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13892) · FFIEC NIC profile (RSSD 987259)