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): 4.37 percentage points lower than in Q1 2026, at 381.76%. Farmers and Merchants Bank ranks 12th of 27 Maryland banks on loan-to-deposit ratio, in the upper half at 88.43% (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 7.59 points higher, at 88.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $641.8M |
| Net loans and leases | $637.2M |
| Loans held for sale | $694K |
| Loans to total assets | 73.39% |
| Loan-to-deposit ratio | 88.43% |
| Net loans to equity capital | 8.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 68.67% |
| Multifamily (5+ residential) | 5.20% |
| Commercial and industrial | 7.80% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 381.76% |
| Construction concentration (Tier 1 capital + allowance) | 30.13% |
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 | — |
| Interest income on loans | $9.6M |
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 | $530.6M | $645.9M | 69.13% | 5.76% | 0.03% |
| Q4 2023 | $527.6M | $682.1M | 68.53% | 6.21% | 0.03% |
| Q1 2024 | $541.4M | $657.4M | 67.52% | 8.16% | 0.03% |
| Q2 2024 | $550.1M | $652.4M | 68.09% | 8.16% | 0.03% |
| Q3 2024 | $576.5M | $674.8M | 66.84% | 8.82% | 0.02% |
| Q4 2024 | $587.5M | $760.4M | 67.81% | 8.58% | 0.02% |
| Q1 2025 | $604.6M | $736.6M | 68.56% | 9.24% | 0.02% |
| Q2 2025 | $620.3M | $750.2M | 67.01% | 9.17% | 0.02% |
| Q3 2025 | $626.7M | $737.1M | 68.56% | 8.27% | 0.02% |
| Q4 2025 | $638.2M | $722.1M | 67.71% | 7.80% | 0.02% |
| Q1 2026 | $633.1M | $712.4M | 68.28% | 7.76% | 0.02% |
| Q2 2026 | $641.8M | $725.7M | 68.67% | 7.80% | 0.02% |
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 1895) · FFIEC NIC profile (RSSD 891226)