Farmers and Merchants 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.
Loan-to-deposit ratio climbed 3.06 percentage points in Q2 2026, from 70.34% to 73.40%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank ranks 31st of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 73.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers and Merchants Bank sits 7.54 points lower, at 73.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $353.2M |
| Net loans and leases | $345.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.42% |
| Loan-to-deposit ratio | 73.40% |
| Net loans to equity capital | 4.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.10% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 9.63% |
| Consumer | 10.17% |
| Credit cards | 0.67% |
| Farm | 2.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.71% |
| Construction concentration (Tier 1 capital + allowance) | 61.07% |
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 | 7.94% |
| Interest income on loans | $7.0M |
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 | $289.6M | $407.5M | 23.14% | 11.09% | 11.14% |
| Q4 2023 | $291.1M | $402.2M | 23.63% | 10.75% | 11.27% |
| Q1 2024 | $296.3M | $447.4M | 23.16% | 9.84% | 11.21% |
| Q2 2024 | $307.5M | $435.9M | 23.56% | 9.45% | 11.02% |
| Q3 2024 | $316.1M | $424.2M | 22.62% | 10.02% | 11.04% |
| Q4 2024 | $322.8M | $426.9M | 22.34% | 10.32% | 10.76% |
| Q1 2025 | $331.2M | $455.2M | 21.36% | 11.45% | 10.42% |
| Q2 2025 | $326.9M | $451.7M | 19.79% | 11.40% | 10.79% |
| Q3 2025 | $343.2M | $446.4M | 19.54% | 12.04% | 10.32% |
| Q4 2025 | $348.0M | $443.9M | 19.45% | 12.91% | 10.30% |
| Q1 2026 | $342.2M | $486.4M | 20.68% | 9.80% | 10.49% |
| Q2 2026 | $353.2M | $481.2M | 20.10% | 9.63% | 10.17% |
Farmers and Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants 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 Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15801) · FFIEC NIC profile (RSSD 205243)