The Farmers and Merchants National Bank of Nashville: 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 26.90 percentage points in Q2 2026, from 35.40% to 62.30%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Farmers and Merchants National Bank of Nashville is 154th of 323 on loan-to-deposit ratio, 76.37% as of Q2 2026, above the middle of the field. The Farmers and Merchants National Bank of Nashville reported 76.37% on loan-to-deposit ratio for Q2 2026, 4.47 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $185.2M |
| Net loans and leases | $183.4M |
| Loans held for sale | $0 |
| Loans to total assets | 68.54% |
| Loan-to-deposit ratio | 76.37% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.60% |
| Multifamily (5+ residential) | 7.34% |
| Commercial and industrial | 3.50% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 31.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.17% |
| Construction concentration (Tier 1 capital + allowance) | 62.30% |
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 | 5.99% |
| Interest income on loans | $2.8M |
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 | $158.3M | $243.5M | 18.73% | 4.27% | 1.00% |
| Q4 2023 | $173.7M | $226.8M | 17.22% | 3.66% | 0.93% |
| Q1 2024 | $172.0M | $221.4M | 17.54% | 3.94% | 0.92% |
| Q2 2024 | $166.7M | $226.6M | 16.29% | 3.78% | 1.01% |
| Q3 2024 | $167.4M | $247.8M | 16.19% | 3.55% | 1.06% |
| Q4 2024 | $176.4M | $237.6M | 15.28% | 3.42% | 1.00% |
| Q1 2025 | $174.9M | $244.7M | 16.71% | 3.50% | 0.98% |
| Q2 2025 | $174.5M | $243.3M | 16.36% | 3.95% | 0.98% |
| Q3 2025 | $178.4M | $261.5M | 18.51% | 3.83% | 0.94% |
| Q4 2025 | $190.1M | $250.5M | 19.83% | 4.91% | 0.81% |
| Q1 2026 | $179.5M | $252.1M | 20.81% | 4.17% | 0.84% |
| Q2 2026 | $185.2M | $242.6M | 19.60% | 3.50% | 0.85% |
The Farmers and Merchants National Bank of Nashville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants National Bank of Nashville, 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 National Bank of Nashville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3821) · FFIEC NIC profile (RSSD 513546)