The 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.
Construction concentration (tier 1 capital + allowance) climbed 3.72 percentage points in Q2 2026, from 29.83% to 33.55%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Farmers and Merchants Bank is 66th of 87 on loan-to-deposit ratio, 73.28% as of Q2 2026, below the middle of the field. The Farmers and Merchants Bank reported 73.28% on loan-to-deposit ratio for Q2 2026, 7.67 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.1M |
| Net loans and leases | $140.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.60% |
| Loan-to-deposit ratio | 73.28% |
| Net loans to equity capital | 7.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.33% |
| Multifamily (5+ residential) | 0.39% |
| Commercial and industrial | 11.13% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 18.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 9.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 57.26% |
| Construction concentration (Tier 1 capital + allowance) | 33.55% |
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 | 6.23% |
| Interest income on loans | $2.2M |
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 | $103.6M | $182.7M | 14.39% | 6.45% | 1.13% |
| Q4 2023 | $113.9M | $184.1M | 13.16% | 9.25% | 1.09% |
| Q1 2024 | $117.9M | $177.7M | 12.38% | 8.41% | 1.14% |
| Q2 2024 | $120.8M | $188.3M | 11.79% | 7.89% | 1.10% |
| Q3 2024 | $126.5M | $179.0M | 11.14% | 8.24% | 0.99% |
| Q4 2024 | $129.1M | $182.6M | 10.48% | 10.94% | 1.09% |
| Q1 2025 | $130.0M | $192.7M | 9.82% | 11.25% | 1.07% |
| Q2 2025 | $136.0M | $188.0M | 9.19% | 10.97% | 0.98% |
| Q3 2025 | $139.1M | $179.8M | 9.45% | 11.09% | 0.94% |
| Q4 2025 | $142.2M | $183.9M | 9.01% | 11.32% | 0.90% |
| Q1 2026 | $141.1M | $195.6M | 9.03% | 11.53% | 0.89% |
| Q2 2026 | $142.1M | $194.0M | 9.33% | 11.13% | 0.88% |
The Farmers and Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1843) · FFIEC NIC profile (RSSD 629746)