Bank of Farmington: 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): 5.40 percentage points lower than in Q1 2026, at 165.89%. Bank of Farmington ranks 144th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.13% (Q2 2026). Bank of Farmington reported 78.13% on loan-to-deposit ratio for Q2 2026, 2.71 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $165.4M |
| Net loans and leases | $163.9M |
| Loans held for sale | $0 |
| Loans to total assets | 68.89% |
| Loan-to-deposit ratio | 78.13% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.73% |
| Multifamily (5+ residential) | 0.12% |
| Commercial and industrial | 15.05% |
| Consumer | 3.11% |
| Credit cards | 0.00% |
| Farm | 17.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.89% |
| Construction concentration (Tier 1 capital + allowance) | 68.97% |
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 | 5.95% |
| Interest income on loans | $2.4M |
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 | $171.6M | $191.9M | 31.96% | 16.22% | 5.05% |
| Q4 2023 | $172.0M | $193.8M | 30.69% | 16.89% | 5.24% |
| Q1 2024 | $170.0M | $191.8M | 30.95% | 17.00% | 4.73% |
| Q2 2024 | $169.3M | $202.5M | 30.33% | 15.97% | 4.77% |
| Q3 2024 | $168.9M | $203.1M | 29.80% | 15.26% | 4.36% |
| Q4 2024 | $168.1M | $203.1M | 29.71% | 15.02% | 4.06% |
| Q1 2025 | $162.2M | $204.9M | 30.22% | 15.03% | 3.84% |
| Q2 2025 | $162.7M | $202.7M | 28.82% | 14.42% | 3.75% |
| Q3 2025 | $171.8M | $209.8M | 29.60% | 13.58% | 3.39% |
| Q4 2025 | $167.7M | $206.3M | 27.39% | 15.49% | 3.18% |
| Q1 2026 | $164.2M | $208.2M | 27.23% | 14.76% | 3.13% |
| Q2 2026 | $165.4M | $211.7M | 26.73% | 15.05% | 3.11% |
Bank of Farmington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Farmington, 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 Bank of Farmington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11732) · FFIEC NIC profile (RSSD 976534)