York State 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 Farm: 1.06 percentage points higher than in Q1 2026, at 12.32%. Within Nebraska, York State Bank is 99th of 138 on loan-to-deposit ratio, 78.02% 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. York State Bank sits 2.82 points lower, at 78.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.6M |
| Net loans and leases | $129.0M |
| Loans held for sale | $0 |
| Loans to total assets | 65.24% |
| Loan-to-deposit ratio | 78.02% |
| Net loans to equity capital | 4.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.67% |
| Multifamily (5+ residential) | 0.38% |
| Commercial and industrial | 13.66% |
| Consumer | 1.30% |
| Credit cards | 0.00% |
| Farm | 12.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.77% |
| Construction concentration (Tier 1 capital + allowance) | 2.93% |
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 | 6.21% |
| Interest income on loans | $2.1M |
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 | $136.5M | $161.9M | 5.93% | 12.37% | 2.03% |
| Q4 2023 | $137.8M | $165.9M | 6.10% | 12.25% | 2.01% |
| Q1 2024 | $133.6M | $160.9M | 6.46% | 12.16% | 1.99% |
| Q2 2024 | $134.1M | $156.1M | 6.02% | 12.04% | 1.96% |
| Q3 2024 | $138.8M | $153.7M | 7.37% | 12.05% | 1.75% |
| Q4 2024 | $133.1M | $160.2M | 7.73% | 13.17% | 1.62% |
| Q1 2025 | $128.3M | $161.1M | 7.74% | 13.98% | 1.73% |
| Q2 2025 | $127.4M | $156.6M | 7.64% | 14.32% | 1.77% |
| Q3 2025 | $137.8M | $153.8M | 7.80% | 12.66% | 1.54% |
| Q4 2025 | $138.6M | $162.1M | 9.45% | 12.59% | 1.46% |
| Q1 2026 | $133.1M | $171.9M | 9.07% | 13.05% | 1.37% |
| Q2 2026 | $130.6M | $167.4M | 9.67% | 13.66% | 1.30% |
York State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock York State 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 York State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16079) · FFIEC NIC profile (RSSD 731050)