The Tri-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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.15 percentage points higher than in Q1 2026, at 57.51%. Within Nebraska, The Tri-County Bank is 116th of 138 on loan-to-deposit ratio, 65.44% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Tri-County Bank sits 15.40 points lower, at 65.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.5M |
| Net loans and leases | $176.2M |
| Loans held for sale | $0 |
| Loans to total assets | 59.65% |
| Loan-to-deposit ratio | 65.44% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.46% |
| Multifamily (5+ residential) | 1.14% |
| Commercial and industrial | 10.91% |
| Consumer | 2.66% |
| Credit cards | 0.00% |
| Farm | 27.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.96% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.51% |
| Construction concentration (Tier 1 capital + allowance) | 22.16% |
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 | 7.17% |
| Interest income on loans | $3.2M |
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 | $141.0M | $177.2M | 7.99% | 12.42% | 3.44% |
| Q4 2023 | $148.2M | $194.0M | 7.70% | 13.06% | 3.13% |
| Q1 2024 | $140.8M | $188.1M | 8.23% | 13.21% | 3.22% |
| Q2 2024 | $142.5M | $189.9M | 8.11% | 13.43% | 3.14% |
| Q3 2024 | $143.5M | $190.6M | 8.20% | 12.81% | 3.16% |
| Q4 2024 | $149.8M | $205.5M | 7.83% | 13.22% | 3.19% |
| Q1 2025 | $145.5M | $196.6M | 7.76% | 14.39% | 3.26% |
| Q2 2025 | $145.0M | $194.0M | 7.71% | 15.16% | 3.23% |
| Q3 2025 | $147.8M | $208.1M | 6.44% | 14.30% | 3.10% |
| Q4 2025 | $152.9M | $222.2M | 6.35% | 12.40% | 2.87% |
| Q1 2026 | $146.7M | $212.0M | 7.88% | 14.00% | 2.86% |
| Q2 2026 | $178.5M | $272.8M | 8.46% | 10.91% | 2.66% |
The Tri-County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Tri-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 The Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16339) · FFIEC NIC profile (RSSD 657954)