Town & Country 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 climbed 8.42 percentage points in Q3 2026, from 79.41% to 87.83%. It was the largest change from Q2 2026 among the key lines here. Town & Country Bank ranks 63rd of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 87.83% (Q3 2026). Town & Country Bank reported 87.83% on loan-to-deposit ratio for Q3 2026, 6.89 points above the 80.94% 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 | $162.2M |
| Net loans and leases | $160.2M |
| Loans held for sale | $400K |
| Loans to total assets | 69.29% |
| Loan-to-deposit ratio | 87.83% |
| Net loans to equity capital | 5.62% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.47% |
| Consumer | 2.01% |
| Credit cards | 0.00% |
| Farm | 27.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.74% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.26% |
| Construction concentration (Tier 1 capital + allowance) | 9.29% |
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 | 7.09% |
| Interest income on loans | $2.8M |
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 | $140.4M | $179.9M | 5.75% | 8.06% | 1.90% |
| Q1 2024 | $132.4M | $186.8M | 6.56% | 9.25% | 2.05% |
| Q2 2024 | $142.9M | $188.7M | 5.98% | 7.81% | 2.16% |
| Q3 2024 | $148.5M | $183.2M | 4.89% | 7.33% | 2.13% |
| Q4 2024 | $152.5M | $189.5M | 4.71% | 6.85% | 2.11% |
| Q1 2025 | $142.6M | $194.0M | 4.81% | 7.79% | 2.60% |
| Q2 2025 | $145.1M | $191.9M | 4.73% | 7.93% | 2.62% |
| Q3 2025 | $147.2M | $197.6M | 4.87% | 7.61% | 2.38% |
| Q4 2025 | $159.8M | $189.0M | 4.63% | 7.17% | 2.21% |
| Q1 2026 | $149.4M | $197.7M | 5.16% | 7.48% | 2.28% |
| Q2 2026 | $154.2M | $194.1M | 5.98% | 7.96% | 2.22% |
| Q3 2026 | $162.2M | $184.7M | 5.83% | 7.47% | 2.01% |
Town & Country Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country 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 Town & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1434) · FFIEC NIC profile (RSSD 738255)