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.
Cre concentration (tier 1 capital + allowance) dropped 4.66 percentage points in Q2 2026, from 36.63% to 31.96%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Farmers and Merchants Bank is 123rd of 156 on loan-to-deposit ratio, 67.69% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers and Merchants Bank sits 13.15 points lower, at 67.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.8M |
| Net loans and leases | $77.0M |
| Loans held for sale | $0 |
| Loans to total assets | 57.80% |
| Loan-to-deposit ratio | 67.69% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.33% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 6.69% |
| Consumer | 7.45% |
| Credit cards | 0.00% |
| Farm | 0.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.96% |
| Construction concentration (Tier 1 capital + allowance) | 2.13% |
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 | $1.3M |
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 |
|---|---|---|---|---|---|
| Q3 2023 | $77.2M | $103.7M | 10.15% | 7.02% | 10.26% |
| Q4 2023 | $78.6M | $104.7M | 9.58% | 7.07% | 10.46% |
| Q1 2024 | $79.0M | $106.6M | 9.76% | 6.90% | 10.32% |
| Q2 2024 | $80.8M | $110.2M | 10.58% | 7.66% | 10.10% |
| Q3 2024 | $80.5M | $114.6M | 10.46% | 7.36% | 9.97% |
| Q4 2024 | $79.3M | $116.9M | 10.42% | 7.36% | 9.97% |
| Q1 2025 | $78.8M | $116.9M | 10.48% | 7.55% | 9.75% |
| Q2 2025 | $79.8M | $114.5M | 10.06% | 7.34% | 9.41% |
| Q3 2025 | $80.3M | $110.9M | 9.17% | 6.91% | 9.08% |
| Q4 2025 | $81.0M | $114.2M | 8.87% | 6.71% | 8.56% |
| Q1 2026 | $80.5M | $115.1M | 9.40% | 6.92% | 7.87% |
| Q2 2026 | $78.8M | $116.5M | 9.33% | 6.69% | 7.45% |
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 10280) · FFIEC NIC profile (RSSD 760210)