Siouxland 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.
Construction concentration (tier 1 capital + allowance) climbed 1.87 percentage points in Q2 2026, from 4.10% to 5.97%. It was the largest change from Q1 2026 among the key lines here. Siouxland Bank has the 5th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 38.49% as of Q2 2026. Siouxland Bank reported 38.49% on loan-to-deposit ratio for Q2 2026, 29.13 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $29.4M |
| Net loans and leases | $29.1M |
| Loans held for sale | $0 |
| Loans to total assets | 33.32% |
| Loan-to-deposit ratio | 38.49% |
| Net loans to equity capital | 2.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.51% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.40% |
| Consumer | 6.04% |
| Credit cards | 0.00% |
| Farm | 10.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 10.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.15% |
| Construction concentration (Tier 1 capital + allowance) | 5.97% |
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 | 7.04% |
| Interest income on loans | $502K |
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 | $31.1M | $77.0M | 16.70% | 14.50% | 5.34% |
| Q4 2023 | $31.4M | $70.0M | 16.21% | 13.88% | 5.46% |
| Q1 2024 | $30.6M | $77.6M | 17.33% | 13.58% | 4.74% |
| Q2 2024 | $30.4M | $73.4M | 18.63% | 13.55% | 4.94% |
| Q3 2024 | $31.4M | $78.9M | 17.44% | 13.10% | 5.23% |
| Q4 2024 | $32.8M | $73.3M | 17.78% | 14.40% | 5.24% |
| Q1 2025 | $34.2M | $80.3M | 17.35% | 12.86% | 5.18% |
| Q2 2025 | $33.4M | $73.5M | 17.29% | 13.47% | 5.50% |
| Q3 2025 | $31.0M | $77.3M | 16.61% | 14.20% | 6.23% |
| Q4 2025 | $30.6M | $75.4M | 17.30% | 13.98% | 6.10% |
| Q1 2026 | $29.3M | $78.6M | 16.91% | 12.61% | 6.16% |
| Q2 2026 | $29.4M | $76.4M | 15.51% | 14.40% | 6.04% |
Siouxland Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Siouxland 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 Siouxland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23270) · FFIEC NIC profile (RSSD 472951)