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 1.92 percentage points in Q2 2026, from 110.24% to 108.32%. It was the largest change from Q1 2026 among the key lines here. Among 138 Nebraska banks, Farmers and Merchants Bank sits 6th from the top on loan-to-deposit ratio, 108.32% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers and Merchants Bank sits 27.37 points higher, at 108.32% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $178.9M |
| Net loans and leases | $176.9M |
| Loans held for sale | $0 |
| Loans to total assets | 83.03% |
| Loan-to-deposit ratio | 108.32% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.98% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 9.49% |
| Consumer | 0.69% |
| Credit cards | 0.00% |
| Farm | 39.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.64% |
| Construction concentration (Tier 1 capital + allowance) | 6.35% |
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 | 6.67% |
| Interest income on loans | $3.0M |
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 | $127.0M | $105.8M | 4.43% | 9.06% | 0.98% |
| Q4 2023 | $130.8M | $115.9M | 4.23% | 9.23% | 0.95% |
| Q1 2024 | $130.6M | $117.8M | 4.22% | 9.00% | 1.09% |
| Q2 2024 | $134.2M | $122.8M | 4.28% | 10.67% | 1.07% |
| Q3 2024 | $145.6M | $138.6M | 4.10% | 10.83% | 1.08% |
| Q4 2024 | $149.0M | $139.0M | 4.17% | 9.45% | 1.09% |
| Q1 2025 | $147.7M | $134.4M | 4.30% | 9.01% | 1.10% |
| Q2 2025 | $152.0M | $139.5M | 3.74% | 9.28% | 0.92% |
| Q3 2025 | $169.7M | $146.4M | 3.24% | 9.24% | 0.82% |
| Q4 2025 | $181.0M | $155.1M | 3.06% | 8.92% | 1.11% |
| Q1 2026 | $177.6M | $161.1M | 3.05% | 8.68% | 0.75% |
| Q2 2026 | $178.9M | $165.1M | 2.98% | 9.49% | 0.69% |
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 14275) · FFIEC NIC profile (RSSD 516154)