West Plains 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): 6.80 percentage points lower than in Q1 2026, at 24.71%. West Plains Bank ranks 105th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 76.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. West Plains Bank sits 4.29 points lower, at 76.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $84.6M |
| Net loans and leases | $83.4M |
| Loans held for sale | $0 |
| Loans to total assets | 60.71% |
| Loan-to-deposit ratio | 76.55% |
| Net loans to equity capital | 4.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.09% |
| Multifamily (5+ residential) | 4.94% |
| Commercial and industrial | 25.34% |
| Consumer | 2.08% |
| Credit cards | 0.00% |
| Farm | 22.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.71% |
| Construction concentration (Tier 1 capital + allowance) | 0.63% |
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 | 6.31% |
| Interest income on loans | $1.3M |
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 | $64.7M | $91.3M | 5.06% | 14.85% | 2.82% |
| Q4 2023 | $62.1M | $95.3M | 5.42% | 17.58% | 2.78% |
| Q1 2024 | $68.3M | $97.8M | 5.34% | 16.94% | 2.39% |
| Q2 2024 | $72.0M | $97.3M | 5.05% | 18.93% | 2.40% |
| Q3 2024 | $68.2M | $98.2M | 5.82% | 15.90% | 2.83% |
| Q4 2024 | $70.3M | $95.6M | 5.74% | 15.21% | 2.44% |
| Q1 2025 | $72.3M | $100.4M | 5.02% | 17.32% | 2.41% |
| Q2 2025 | $78.1M | $103.0M | 6.67% | 20.21% | 2.41% |
| Q3 2025 | $78.1M | $99.7M | 7.27% | 15.07% | 2.43% |
| Q4 2025 | $84.1M | $109.3M | 7.39% | 20.20% | 2.09% |
| Q1 2026 | $81.4M | $109.2M | 6.26% | 20.75% | 2.02% |
| Q2 2026 | $84.6M | $110.5M | 6.09% | 25.34% | 2.08% |
West Plains Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Plains 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 West Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5369) · FFIEC NIC profile (RSSD 967952)