State Bank of Scotia: 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: 1.34 percentage points lower than in Q1 2026, at 55.27%. On loan-to-deposit ratio, State Bank of Scotia is 13th from the bottom among 138 Nebraska banks, 55.27% (Q2 2026). State Bank of Scotia reported 55.27% on loan-to-deposit ratio for Q2 2026, 12.66 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $26.9M |
| Net loans and leases | $26.1M |
| Loans held for sale | $0 |
| Loans to total assets | 44.04% |
| Loan-to-deposit ratio | 55.27% |
| Net loans to equity capital | 2.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.76% |
| Consumer | 3.39% |
| Credit cards | 0.00% |
| Farm | 36.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.17% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.01% |
| Interest income on loans | $405K |
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 | $37.2M | $48.7M | 4.98% | 8.32% | 3.53% |
| Q4 2023 | $36.2M | $49.6M | 5.35% | 8.01% | 3.62% |
| Q1 2024 | $35.4M | $51.1M | 4.36% | 8.80% | 3.62% |
| Q2 2024 | $35.1M | $46.8M | 5.54% | 7.91% | 3.88% |
| Q3 2024 | $35.0M | $47.7M | 5.36% | 6.95% | 3.92% |
| Q4 2024 | $32.9M | $45.6M | 6.55% | 6.72% | 3.94% |
| Q1 2025 | $32.5M | $50.6M | 5.55% | 6.56% | 3.99% |
| Q2 2025 | $30.5M | $50.4M | 5.75% | 6.07% | 4.10% |
| Q3 2025 | $30.1M | $45.8M | 5.75% | 6.09% | 3.85% |
| Q4 2025 | $29.0M | $45.1M | 5.82% | 4.91% | 3.73% |
| Q1 2026 | $27.8M | $49.1M | 5.74% | 4.86% | 3.72% |
| Q2 2026 | $26.9M | $48.6M | 5.87% | 4.76% | 3.39% |
State Bank of Scotia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Scotia, 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 State Bank of Scotia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14069) · FFIEC NIC profile (RSSD 926650)