Stanton 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 13.85 percentage points in Q2 2026, from 15.00% to 1.15%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Stanton State Bank is 118th of 138 on loan-to-deposit ratio, 64.30% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Stanton State Bank sits 3.63 points lower, at 64.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.6M |
| Net loans and leases | $37.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.99% |
| Loan-to-deposit ratio | 64.30% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 31.41% |
| Consumer | 6.32% |
| Credit cards | 0.00% |
| Farm | 2.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.15% |
| Construction concentration (Tier 1 capital + allowance) | 1.15% |
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 | 6.57% |
| Interest income on loans | $593K |
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 | $31.7M | $53.3M | 0.00% | 27.55% | 7.66% |
| Q4 2023 | $30.6M | $54.2M | 0.34% | 27.25% | 8.13% |
| Q1 2024 | $30.5M | $55.3M | 0.34% | 27.41% | 8.27% |
| Q2 2024 | $31.9M | $54.9M | 0.32% | 25.64% | 8.47% |
| Q3 2024 | $31.6M | $53.1M | 0.32% | 25.19% | 8.58% |
| Q4 2024 | $32.3M | $51.9M | 0.32% | 25.32% | 7.96% |
| Q1 2025 | $33.7M | $54.9M | 0.30% | 24.02% | 7.53% |
| Q2 2025 | $35.5M | $55.2M | 0.00% | 24.11% | 7.27% |
| Q3 2025 | $36.6M | $55.1M | 0.00% | 25.51% | 7.06% |
| Q4 2025 | $38.0M | $55.3M | 0.00% | 25.85% | 6.72% |
| Q1 2026 | $35.7M | $56.8M | 0.00% | 26.84% | 7.31% |
| Q2 2026 | $37.6M | $58.4M | 0.00% | 31.41% | 6.32% |
Stanton State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stanton 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 Stanton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5478) · FFIEC NIC profile (RSSD 382256)