Farmers and Merchants Bank of South Carolina: 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 2.55 percentage points in Q3 2026, from 35.02% to 32.47%. It was the largest change from Q2 2026 among the key lines here. On loan-to-deposit ratio, Farmers and Merchants Bank of South Carolina is 1st from the bottom among 44 South Carolina banks, 32.47% (Q3 2026). Farmers and Merchants Bank of South Carolina's loan-to-deposit ratio of 32.47% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 48.37 points (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $123.6M |
| Net loans and leases | $122.5M |
| Loans held for sale | $0 |
| Loans to total assets | 27.98% |
| Loan-to-deposit ratio | 32.47% |
| Net loans to equity capital | 2.05% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.95% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 4.26% |
| Consumer | 4.41% |
| Credit cards | 0.00% |
| Farm | 2.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.10% |
| Construction concentration (Tier 1 capital + allowance) | 51.02% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.39% |
| Interest income on loans | $2.3M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $102.9M | $425.8M | 32.11% | 5.05% | 7.42% |
| Q1 2024 | $109.1M | $333.8M | 31.89% | 4.61% | 6.86% |
| Q2 2024 | $107.5M | $347.0M | 33.42% | 4.60% | 6.94% |
| Q3 2024 | $116.0M | $337.4M | 34.85% | 4.16% | 6.51% |
| Q4 2024 | $121.2M | $492.6M | 36.70% | 3.95% | 6.07% |
| Q1 2025 | $122.5M | $363.6M | 38.80% | 3.63% | 5.68% |
| Q2 2025 | $124.4M | $355.5M | 37.81% | 3.36% | 5.65% |
| Q3 2025 | $127.4M | $330.9M | 36.06% | 3.80% | 5.32% |
| Q4 2025 | $124.4M | $435.3M | 34.37% | 4.41% | 5.21% |
| Q1 2026 | $124.6M | $414.3M | 35.65% | 4.50% | 4.87% |
| Q2 2026 | $122.9M | $350.8M | 34.74% | 4.36% | 4.73% |
| Q3 2026 | $123.6M | $380.8M | 35.95% | 4.26% | 4.41% |
Farmers and Merchants Bank of South Carolina 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 South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)