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.
Construction concentration (tier 1 capital + allowance) climbed 6.23 percentage points in Q2 2026, from 96.15% to 102.39%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank ranks 34th of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 64.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Merchants Bank sits 16.62 points lower, at 64.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $541.0M |
| Net loans and leases | $530.7M |
| Loans held for sale | $142K |
| Loans to total assets | 54.17% |
| Loan-to-deposit ratio | 64.21% |
| Net loans to equity capital | 3.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.48% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 2.51% |
| Consumer | 0.41% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.08% |
| Construction concentration (Tier 1 capital + allowance) | 102.39% |
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 | 6.92% |
| Interest income on loans | $9.3M |
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 | $531.2M | $849.7M | 45.97% | 3.30% | 0.67% |
| Q4 2023 | $537.1M | $796.2M | 46.22% | 3.31% | 0.63% |
| Q1 2024 | $539.4M | $796.5M | 46.64% | 3.37% | 0.57% |
| Q2 2024 | $539.5M | $768.2M | 45.58% | 3.45% | 0.57% |
| Q3 2024 | $539.6M | $764.0M | 44.71% | 3.25% | 0.55% |
| Q4 2024 | $532.1M | $757.3M | 44.56% | 3.02% | 0.45% |
| Q1 2025 | $524.4M | $782.8M | 45.10% | 2.81% | 0.46% |
| Q2 2025 | $529.7M | $790.4M | 43.89% | 3.04% | 0.44% |
| Q3 2025 | $527.3M | $799.2M | 43.32% | 2.89% | 0.45% |
| Q4 2025 | $530.8M | $814.1M | 44.17% | 2.96% | 0.52% |
| Q1 2026 | $526.5M | $831.1M | 41.88% | 2.70% | 0.43% |
| Q2 2026 | $541.0M | $842.6M | 40.48% | 2.51% | 0.41% |
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 2036) · FFIEC NIC profile (RSSD 348720)