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 Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 40.32 percentage points lower than in Q1 2026, at 55.46%. Farmers and Merchants Bank ranks 80th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 46.21% (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 34.63 points lower, at 46.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $127.9M |
| Net loans and leases | $126.3M |
| Loans held for sale | $0 |
| Loans to total assets | 41.58% |
| Loan-to-deposit ratio | 46.21% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.39% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 15.68% |
| Consumer | 9.17% |
| Credit cards | 0.00% |
| Farm | 7.42% |
| Loans to depository institutions | 0.40% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.46% |
| Construction concentration (Tier 1 capital + allowance) | 36.98% |
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 | 7.48% |
| Interest income on loans | $2.4M |
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 | $95.8M | $247.7M | 15.52% | 21.42% | 12.56% |
| Q4 2023 | $98.9M | $252.9M | 18.22% | 20.00% | 12.20% |
| Q1 2024 | $106.4M | $250.7M | 16.51% | 18.29% | 11.27% |
| Q2 2024 | $111.4M | $248.8M | 17.81% | 18.90% | 10.33% |
| Q3 2024 | $116.7M | $248.8M | 18.85% | 17.30% | 9.97% |
| Q4 2024 | $116.8M | $263.5M | 18.42% | 17.33% | 9.92% |
| Q1 2025 | $116.4M | $258.9M | 18.92% | 17.17% | 9.34% |
| Q2 2025 | $122.4M | $263.8M | 20.19% | 16.50% | 9.02% |
| Q3 2025 | $124.8M | $268.6M | 21.91% | 16.28% | 8.80% |
| Q4 2025 | $122.1M | $275.6M | 23.43% | 17.09% | 9.25% |
| Q1 2026 | $126.8M | $276.5M | 23.65% | 16.13% | 9.07% |
| Q2 2026 | $127.9M | $276.9M | 23.39% | 15.68% | 9.17% |
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 13887) · FFIEC NIC profile (RSSD 446130)