Thayer County 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.
Loan-to-deposit ratio dropped 3.41 percentage points in Q2 2026, from 80.48% to 77.07%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Thayer County Bank is 102nd of 138 on loan-to-deposit ratio, 77.07% as of Q2 2026. Thayer County Bank reported 77.07% on loan-to-deposit ratio for Q2 2026, 9.75 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.3M |
| Net loans and leases | $50.6M |
| Loans held for sale | $0 |
| Loans to total assets | 57.96% |
| Loan-to-deposit ratio | 77.07% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.62% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 18.78% |
| Consumer | 5.58% |
| Credit cards | 0.00% |
| Farm | 11.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.50% |
| Construction concentration (Tier 1 capital + allowance) | 8.00% |
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 | 6.80% |
| Interest income on loans | $830K |
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 | $49.5M | $58.3M | 22.78% | 16.54% | 4.97% |
| Q4 2023 | $51.2M | $62.4M | 22.28% | 16.70% | 4.91% |
| Q1 2024 | $50.6M | $60.8M | 21.75% | 18.46% | 5.24% |
| Q2 2024 | $50.8M | $60.7M | 20.68% | 18.68% | 5.02% |
| Q3 2024 | $51.5M | $60.9M | 20.54% | 18.57% | 4.96% |
| Q4 2024 | $51.5M | $62.4M | 20.53% | 18.81% | 4.77% |
| Q1 2025 | $50.7M | $65.4M | 21.38% | 18.90% | 5.44% |
| Q2 2025 | $49.7M | $65.3M | 20.06% | 16.91% | 6.16% |
| Q3 2025 | $51.0M | $64.2M | 19.49% | 16.93% | 5.85% |
| Q4 2025 | $51.8M | $67.7M | 18.86% | 17.01% | 5.91% |
| Q1 2026 | $50.7M | $63.0M | 17.32% | 18.82% | 5.91% |
| Q2 2026 | $51.3M | $66.5M | 17.62% | 18.78% | 5.58% |
Thayer County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Thayer County 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 Thayer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11475) · FFIEC NIC profile (RSSD 157155)