South Central 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.
Cre concentration (tier 1 capital + allowance) dropped 14.84 percentage points in Q3 2026, from 211.95% to 197.10%. It was the largest change from Q2 2026 among the key lines here. South Central State Bank ranks 44th of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 91.17% (Q3 2026). South Central State Bank reported 91.17% on loan-to-deposit ratio for Q3 2026, 10.33 points above the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $138.8M |
| Net loans and leases | $137.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.88% |
| Loan-to-deposit ratio | 91.17% |
| Net loans to equity capital | 4.53% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.90% |
| Multifamily (5+ residential) | 1.42% |
| Commercial and industrial | 0.79% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 25.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.10% |
| Construction concentration (Tier 1 capital + allowance) | 175.54% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.93% |
| Interest income on loans | $2.3M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $125.2M | $153.8M | 10.24% | 1.49% | 1.20% |
| Q1 2024 | $122.3M | $163.1M | 10.78% | 1.60% | 1.21% |
| Q2 2024 | $134.3M | $150.0M | 9.88% | 1.24% | 1.12% |
| Q3 2024 | $134.2M | $143.7M | 10.00% | 1.24% | 1.06% |
| Q4 2024 | $137.5M | $145.8M | 9.09% | 0.94% | 1.10% |
| Q1 2025 | $122.3M | $155.5M | 10.20% | 1.26% | 1.13% |
| Q2 2025 | $125.4M | $153.1M | 8.20% | 1.13% | 1.06% |
| Q3 2025 | $122.4M | $148.2M | 6.71% | 0.85% | 1.16% |
| Q4 2025 | $142.8M | $151.6M | 5.53% | 0.85% | 0.95% |
| Q1 2026 | $123.3M | $156.8M | 5.63% | 0.96% | 1.10% |
| Q2 2026 | $131.5M | $153.6M | 5.22% | 1.11% | 1.00% |
| Q3 2026 | $138.8M | $152.2M | 3.90% | 0.79% | 1.08% |
South Central State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central 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 South Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16707) · FFIEC NIC profile (RSSD 74056)