Scribner 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 Loan-to-deposit ratio: 2.89 percentage points higher than in Q1 2026, at 80.31%. Within Nebraska, Scribner Bank is 90th of 138 on loan-to-deposit ratio, 80.31% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Scribner Bank sits 12.99 points higher, at 80.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.9M |
| Net loans and leases | $56.8M |
| Loans held for sale | $0 |
| Loans to total assets | 66.61% |
| Loan-to-deposit ratio | 80.31% |
| Net loans to equity capital | 3.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.75% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.47% |
| Consumer | 2.97% |
| Credit cards | 0.00% |
| Farm | 20.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.91% |
| Construction concentration (Tier 1 capital + allowance) | 8.09% |
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 | 7.27% |
| Interest income on loans | $1.0M |
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 | $42.3M | $73.2M | 9.72% | 12.59% | 2.69% |
| Q4 2023 | $50.8M | $72.2M | 7.84% | 13.03% | 2.34% |
| Q1 2024 | $44.9M | $69.4M | 8.93% | 14.67% | 3.09% |
| Q2 2024 | $46.7M | $69.2M | 9.34% | 17.94% | 4.29% |
| Q3 2024 | $45.5M | $65.4M | 9.48% | 12.55% | 4.41% |
| Q4 2024 | $53.5M | $66.8M | 7.97% | 11.22% | 3.70% |
| Q1 2025 | $52.9M | $66.6M | 7.98% | 11.16% | 4.02% |
| Q2 2025 | $55.1M | $72.7M | 7.47% | 13.39% | 3.09% |
| Q3 2025 | $52.8M | $71.2M | 7.71% | 9.83% | 3.31% |
| Q4 2025 | $55.3M | $77.9M | 7.41% | 7.15% | 3.19% |
| Q1 2026 | $55.5M | $71.7M | 7.49% | 10.67% | 3.11% |
| Q2 2026 | $57.9M | $72.1M | 7.75% | 12.47% | 2.97% |
Scribner Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Scribner 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 Scribner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14026) · FFIEC NIC profile (RSSD 711753)