Farm Bureau Bank FSB: 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 Consumer: 3.04 percentage points lower than in Q1 2026, at 52.28%. Within Nevada, Farm Bureau Bank FSB is 7th of 14 on loan-to-deposit ratio, 78.85% as of Q2 2026, above the middle of the field. Farm Bureau Bank FSB reported 78.85% on loan-to-deposit ratio for Q2 2026, 9.36 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $714.8M |
| Net loans and leases | $704.5M |
| Loans held for sale | $672K |
| Loans to total assets | 67.37% |
| Loan-to-deposit ratio | 78.85% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.27% |
| Multifamily (5+ residential) | 3.24% |
| Commercial and industrial | 11.40% |
| Consumer | 52.28% |
| Credit cards | 15.43% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.96% |
| Construction concentration (Tier 1 capital + allowance) | 15.02% |
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 | 7.99% |
| Interest income on loans | $14.4M |
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 | $889.1M | $1.02B | 3.96% | 11.13% | 69.99% |
| Q4 2023 | $880.3M | $1.01B | 4.11% | 11.56% | 69.38% |
| Q1 2024 | $864.4M | $1.07B | 4.24% | 11.94% | 68.12% |
| Q2 2024 | $818.1M | $1.06B | 4.96% | 12.36% | 65.76% |
| Q3 2024 | $801.5M | $1.05B | 5.25% | 12.44% | 65.20% |
| Q4 2024 | $814.9M | $1.04B | 9.27% | 11.92% | 62.96% |
| Q1 2025 | $799.7M | $964.9M | 9.81% | 11.89% | 61.67% |
| Q2 2025 | $792.6M | $949.4M | 10.06% | 11.83% | 61.40% |
| Q3 2025 | $775.9M | $942.7M | 10.75% | 11.85% | 60.87% |
| Q4 2025 | $779.9M | $939.4M | 14.25% | 11.24% | 57.24% |
| Q1 2026 | $750.5M | $930.7M | 15.54% | 11.15% | 55.32% |
| Q2 2026 | $714.8M | $906.5M | 17.27% | 11.40% | 52.28% |
Farm Bureau Bank FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farm Bureau Bank FSB, 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 Farm Bureau Bank FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35157) · FFIEC NIC profile (RSSD 2819167)