Farmers and Merchants Bank of Mound City, Kansas: 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 Construction concentration (Tier 1 capital + allowance): 3.11 percentage points higher than in Q1 2026, at 37.65%. Within Kansas, Farmers and Merchants Bank of Mound City, Kansas is 136th of 182 on loan-to-deposit ratio, 61.15% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank of Mound City, Kansas reported 61.15% on loan-to-deposit ratio for Q2 2026, 6.77 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.7M |
| Net loans and leases | $36.3M |
| Loans held for sale | $0 |
| Loans to total assets | 56.43% |
| Loan-to-deposit ratio | 61.15% |
| Net loans to equity capital | 8.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.89% |
| Consumer | 9.44% |
| Credit cards | 0.00% |
| Farm | 11.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.54% |
| Construction concentration (Tier 1 capital + allowance) | 37.65% |
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 | 6.53% |
| Interest income on loans | $606K |
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 | $36.7M | $48.9M | 10.06% | 16.22% | 9.04% |
| Q4 2023 | $36.1M | $51.1M | 9.99% | 16.12% | 9.61% |
| Q1 2024 | $36.4M | $50.7M | 9.59% | 17.02% | 9.65% |
| Q2 2024 | $37.1M | $51.3M | 9.29% | 17.44% | 9.36% |
| Q3 2024 | $37.4M | $50.3M | 9.03% | 16.94% | 9.27% |
| Q4 2024 | $38.1M | $52.1M | 8.82% | 16.04% | 9.27% |
| Q1 2025 | $37.7M | $52.4M | 10.20% | 14.30% | 9.20% |
| Q2 2025 | $38.5M | $56.5M | 9.87% | 13.69% | 9.00% |
| Q3 2025 | $38.4M | $55.4M | 9.22% | 12.64% | 8.77% |
| Q4 2025 | $37.8M | $52.8M | 8.59% | 13.37% | 9.38% |
| Q1 2026 | $36.6M | $57.5M | 8.73% | 12.43% | 8.89% |
| Q2 2026 | $36.7M | $60.0M | 9.21% | 11.89% | 9.44% |
Farmers and Merchants Bank of Mound City, Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Mound City, Kansas, 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 of Mound City, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14024) · FFIEC NIC profile (RSSD 274052)