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 Commercial and industrial: 0.78 percentage points higher than in Q1 2026, at 13.41%. On loan-to-deposit ratio, Farmers and Merchants Bank is 1st from the bottom among 138 Nebraska banks, 26.29% (Q2 2026). Farmers and Merchants Bank's loan-to-deposit ratio of 26.29% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 61.92 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.8M |
| Net loans and leases | $231.8M |
| Loans held for sale | $0 |
| Loans to total assets | 22.07% |
| Loan-to-deposit ratio | 26.29% |
| Net loans to equity capital | 2.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.73% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 13.41% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 48.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.15% |
| 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 | 5.50% |
| Interest income on loans | $3.2M |
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 | $246.8M | $708.0M | 8.40% | 12.34% | 5.14% |
| Q4 2023 | $250.4M | $722.7M | 7.82% | 12.46% | 4.85% |
| Q1 2024 | $241.6M | $747.1M | 8.01% | 13.64% | 4.86% |
| Q2 2024 | $254.7M | $764.4M | 7.44% | 13.15% | 4.34% |
| Q3 2024 | $254.2M | $770.5M | 6.82% | 12.64% | 4.02% |
| Q4 2024 | $256.7M | $812.1M | 7.00% | 13.39% | 0.26% |
| Q1 2025 | $237.0M | $819.2M | 7.67% | 13.94% | 0.26% |
| Q2 2025 | $236.2M | $827.4M | 7.07% | 13.76% | 0.22% |
| Q3 2025 | $232.9M | $796.2M | 7.12% | 13.01% | 0.18% |
| Q4 2025 | $246.3M | $827.4M | 6.62% | 11.77% | 0.17% |
| Q1 2026 | $229.8M | $878.1M | 6.90% | 12.64% | 0.16% |
| Q2 2026 | $232.8M | $885.6M | 6.73% | 13.41% | 0.16% |
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 16810) · FFIEC NIC profile (RSSD 455552)