Security First 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.
CRE concentration (Tier 1 capital + allowance) climbed 5.19 percentage points in Q2 2026, from 250.20% to 255.39%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Security First Bank is 97th of 138 on loan-to-deposit ratio, 78.10% as of Q2 2026. Security First Bank reported 78.10% on loan-to-deposit ratio for Q2 2026, 10.10 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.59B |
| Net loans and leases | $1.57B |
| Loans held for sale | $666K |
| Loans to total assets | 68.33% |
| Loan-to-deposit ratio | 78.10% |
| Net loans to equity capital | 7.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.30% |
| Multifamily (5+ residential) | 10.37% |
| Commercial and industrial | 8.35% |
| Consumer | 8.27% |
| Credit cards | 0.00% |
| Farm | 12.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.39% |
| Construction concentration (Tier 1 capital + allowance) | 44.60% |
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 | 6.09% |
| Interest income on loans | $23.9M |
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 | $1.24B | $1.47B | 24.61% | 6.99% | 14.18% |
| Q4 2023 | $1.26B | $1.53B | 24.49% | 7.30% | 13.71% |
| Q1 2024 | $1.31B | $1.65B | 25.06% | 7.44% | 14.75% |
| Q2 2024 | $1.33B | $1.49B | 24.31% | 7.22% | 14.24% |
| Q3 2024 | $1.32B | $1.59B | 24.64% | 7.18% | 13.26% |
| Q4 2024 | $1.33B | $1.74B | 23.69% | 6.52% | 14.55% |
| Q1 2025 | $1.34B | $1.76B | 24.48% | 7.32% | 13.68% |
| Q2 2025 | $1.37B | $1.72B | 24.52% | 7.44% | 12.58% |
| Q3 2025 | $1.37B | $1.73B | 24.38% | 8.17% | 11.75% |
| Q4 2025 | $1.44B | $1.89B | 25.22% | 8.14% | 10.49% |
| Q1 2026 | $1.46B | $1.87B | 26.51% | 7.11% | 9.48% |
| Q2 2026 | $1.59B | $2.03B | 27.30% | 8.35% | 8.27% |
Security First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security First 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 Security First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5415) · FFIEC NIC profile (RSSD 276850)