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 dropped 1.54 percentage points in Q2 2026, from 37.04% to 35.50%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank has the 12th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 35.50% as of Q2 2026. Farmers and Merchants Bank reported 35.50% on loan-to-deposit ratio for Q2 2026, 32.42 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.4M |
| Net loans and leases | $6.3M |
| Loans held for sale | $0 |
| Loans to total assets | 31.27% |
| Loan-to-deposit ratio | 35.50% |
| Net loans to equity capital | 2.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 22.22% |
| Consumer | 2.72% |
| Credit cards | 0.00% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.31% |
| Interest income on loans | $119K |
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 | $5.8M | $15.3M | 0.00% | 27.11% | 2.46% |
| Q4 2023 | $6.3M | $15.2M | 0.00% | 25.03% | 2.33% |
| Q1 2024 | $6.7M | $15.2M | 0.00% | 24.03% | 3.56% |
| Q2 2024 | $5.0M | $16.3M | 0.00% | 30.83% | 2.71% |
| Q3 2024 | $5.8M | $16.0M | 0.00% | 26.88% | 2.07% |
| Q4 2024 | $5.5M | $15.8M | 0.00% | 27.02% | 2.09% |
| Q1 2025 | $5.6M | $17.3M | 0.00% | 29.15% | 2.30% |
| Q2 2025 | $5.8M | $17.7M | 0.00% | 29.08% | 2.57% |
| Q3 2025 | $6.2M | $16.7M | 0.00% | 24.72% | 2.59% |
| Q4 2025 | $6.6M | $16.4M | 0.00% | 23.12% | 2.79% |
| Q1 2026 | $6.4M | $17.4M | 0.00% | 23.72% | 2.56% |
| Q2 2026 | $6.4M | $18.1M | 0.00% | 22.22% | 2.72% |
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 12284) · FFIEC NIC profile (RSSD 273859)