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.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 7.27 percentage points lower than in Q2 2026, at 212.24%. Within Indiana, Farmers and Merchants Bank is 65th of 87 on loan-to-deposit ratio, 73.63% as of Q3 2026, below the middle of the field. Farmers and Merchants Bank reported 73.63% on loan-to-deposit ratio for Q3 2026, 7.31 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $205.0M |
| Net loans and leases | $203.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.09% |
| Loan-to-deposit ratio | 73.63% |
| Net loans to equity capital | 8.20% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.05% |
| Multifamily (5+ residential) | 2.12% |
| Commercial and industrial | 6.77% |
| Consumer | 2.09% |
| Credit cards | 0.00% |
| Farm | 14.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.24% |
| Construction concentration (Tier 1 capital + allowance) | 18.57% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $3.3M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $144.4M | $230.7M | 23.47% | 8.92% | 4.01% |
| Q1 2024 | $147.7M | $234.0M | 22.85% | 8.60% | 3.79% |
| Q2 2024 | $152.1M | $237.0M | 23.74% | 8.96% | 3.33% |
| Q3 2024 | $161.1M | $233.1M | 23.17% | 9.55% | 3.43% |
| Q4 2024 | $166.6M | $233.4M | 24.73% | 9.05% | 3.18% |
| Q1 2025 | $169.5M | $257.7M | 24.69% | 8.03% | 3.07% |
| Q2 2025 | $174.5M | $273.6M | 24.43% | 8.46% | 2.83% |
| Q3 2025 | $179.0M | $275.4M | 24.83% | 7.99% | 2.60% |
| Q4 2025 | $187.3M | $280.0M | 25.57% | 7.30% | 2.25% |
| Q1 2026 | $191.1M | $288.4M | 27.66% | 6.81% | 1.99% |
| Q2 2026 | $205.2M | $279.5M | 28.09% | 7.93% | 2.02% |
| Q3 2026 | $205.0M | $278.4M | 27.05% | 6.77% | 2.09% |
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 13801) · FFIEC NIC profile (RSSD 372640)