F & M Community Bank, N.A.: 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 Construction concentration (Tier 1 capital + allowance): 3.02 percentage points lower than in Q1 2026, at 8.22%. F & M Community Bank, N.A. ranks 108th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 81.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; F & M Community Bank, N.A. reported 81.75% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.8M |
| Net loans and leases | $148.9M |
| Loans held for sale | $0 |
| Loans to total assets | 71.43% |
| Loan-to-deposit ratio | 81.75% |
| Net loans to equity capital | 8.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.12% |
| Multifamily (5+ residential) | 4.38% |
| Commercial and industrial | 5.22% |
| Consumer | 1.30% |
| Credit cards | 0.00% |
| Farm | 16.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.36% |
| Construction concentration (Tier 1 capital + allowance) | 8.22% |
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 | 5.89% |
| Interest income on loans | $2.2M |
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 | $141.2M | $173.9M | 25.30% | 7.46% | 1.92% |
| Q4 2023 | $143.2M | $174.1M | 24.29% | 7.47% | 1.94% |
| Q1 2024 | $144.5M | $175.3M | 24.18% | 7.51% | 1.95% |
| Q2 2024 | $144.3M | $176.0M | 25.09% | 6.72% | 1.92% |
| Q3 2024 | $142.4M | $182.6M | 25.07% | 6.22% | 1.92% |
| Q4 2024 | $144.8M | $185.1M | 24.86% | 5.94% | 1.93% |
| Q1 2025 | $143.8M | $179.8M | 25.12% | 5.68% | 1.92% |
| Q2 2025 | $148.6M | $179.5M | 24.17% | 5.87% | 1.90% |
| Q3 2025 | $147.0M | $175.9M | 24.32% | 5.64% | 1.90% |
| Q4 2025 | $152.4M | $185.7M | 25.88% | 5.47% | 1.71% |
| Q1 2026 | $151.8M | $179.8M | 25.66% | 5.40% | 1.39% |
| Q2 2026 | $150.8M | $184.4M | 26.12% | 5.22% | 1.30% |
F & M Community Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Community Bank, N.A., 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 F & M Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10967) · FFIEC NIC profile (RSSD 171759)