Western Nebraska 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.
Cre concentration (tier 1 capital + allowance) climbed 12.24 percentage points in Q2 2026, from 68.42% to 80.66%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Western Nebraska Bank is 28th of 138 on loan-to-deposit ratio, 94.59% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Western Nebraska Bank sits 13.64 points higher, at 94.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.9M |
| Net loans and leases | $153.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.14% |
| Loan-to-deposit ratio | 94.59% |
| Net loans to equity capital | 9.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.42% |
| Multifamily (5+ residential) | 0.84% |
| Commercial and industrial | 16.49% |
| Consumer | 2.09% |
| Credit cards | 0.00% |
| Farm | 22.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.66% |
| Construction concentration (Tier 1 capital + allowance) | 32.86% |
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 | 6.99% |
| Interest income on loans | $2.7M |
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 | $130.4M | $136.8M | 11.09% | 13.05% | 3.01% |
| Q4 2023 | $126.5M | $143.8M | 11.02% | 12.12% | 3.15% |
| Q1 2024 | $125.8M | $147.8M | 10.86% | 12.45% | 3.00% |
| Q2 2024 | $127.1M | $151.2M | 10.54% | 12.69% | 2.90% |
| Q3 2024 | $131.2M | $147.6M | 12.89% | 11.46% | 2.80% |
| Q4 2024 | $131.5M | $145.3M | 12.68% | 12.25% | 2.87% |
| Q1 2025 | $128.9M | $151.1M | 13.20% | 13.26% | 2.46% |
| Q2 2025 | $138.7M | $152.2M | 14.19% | 12.56% | 2.14% |
| Q3 2025 | $149.7M | $158.3M | 13.89% | 11.65% | 2.53% |
| Q4 2025 | $152.5M | $159.5M | 15.47% | 11.97% | 2.60% |
| Q1 2026 | $144.3M | $164.0M | 15.25% | 13.48% | 2.26% |
| Q2 2026 | $154.9M | $163.7M | 15.42% | 16.49% | 2.09% |
Western Nebraska Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western Nebraska 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 Western Nebraska Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1983) · FFIEC NIC profile (RSSD 248352)