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.
Cre concentration (tier 1 capital + allowance) climbed 12.06 percentage points in Q2 2026, from 41.21% to 53.27%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Farmers and Merchants Bank is 132nd of 169 on loan-to-deposit ratio, 62.26% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank reported 62.26% on loan-to-deposit ratio for Q2 2026, 5.67 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.2M |
| Net loans and leases | $11.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.43% |
| Loan-to-deposit ratio | 62.26% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.38% |
| Multifamily (5+ residential) | 4.25% |
| Commercial and industrial | 27.84% |
| Consumer | 3.03% |
| Credit cards | 0.00% |
| Farm | 22.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.27% |
| Construction concentration (Tier 1 capital + allowance) | 11.98% |
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 | 7.97% |
| Interest income on loans | $234K |
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 | $14.4M | $21.4M | 0.00% | 87.39% | 9.96% |
| Q4 2023 | $15.0M | $21.1M | 0.00% | 88.77% | 8.89% |
| Q1 2024 | $14.7M | $22.4M | 0.00% | 86.70% | 9.21% |
| Q2 2024 | $14.3M | $21.8M | 16.99% | 39.98% | 8.33% |
| Q3 2024 | $14.0M | $21.9M | 19.42% | 36.58% | 7.50% |
| Q4 2024 | $13.4M | $20.6M | 17.26% | 33.81% | 7.78% |
| Q1 2025 | $12.9M | $21.6M | 7.14% | 31.76% | 7.64% |
| Q2 2025 | $12.9M | $20.1M | 7.41% | 29.17% | 6.13% |
| Q3 2025 | $11.6M | $22.0M | 4.33% | 29.50% | 6.16% |
| Q4 2025 | $11.8M | $20.4M | 6.13% | 29.13% | 5.95% |
| Q1 2026 | $11.7M | $20.0M | 5.98% | 27.97% | 5.56% |
| Q2 2026 | $12.2M | $19.6M | 8.38% | 27.84% | 3.03% |
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 4144) · FFIEC NIC profile (RSSD 836656)