Farmers and Merchants State 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 5.81 percentage points in Q2 2026, from 24.70% to 18.90%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants State Bank ranks 32nd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 76.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Merchants State Bank sits 4.22 points lower, at 76.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.9M |
| Net loans and leases | $80.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.54% |
| Loan-to-deposit ratio | 76.62% |
| Net loans to equity capital | 3.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.60% |
| Multifamily (5+ residential) | 0.50% |
| Commercial and industrial | 11.72% |
| Consumer | 3.94% |
| Credit cards | 0.20% |
| Farm | 41.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.90% |
| Construction concentration (Tier 1 capital + allowance) | 8.37% |
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 | 6.95% |
| Interest income on loans | $1.4M |
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 | $66.1M | $113.1M | 2.44% | 10.13% | 4.84% |
| Q4 2023 | $71.2M | $120.0M | 3.52% | 9.07% | 4.19% |
| Q1 2024 | $69.3M | $109.1M | 3.70% | 10.17% | 5.52% |
| Q2 2024 | $72.4M | $108.4M | 3.47% | 10.94% | 4.37% |
| Q3 2024 | $75.5M | $104.5M | 3.61% | 10.43% | 3.97% |
| Q4 2024 | $76.8M | $105.1M | 3.68% | 11.42% | 3.71% |
| Q1 2025 | $72.9M | $109.0M | 3.27% | 11.91% | 4.66% |
| Q2 2025 | $78.8M | $101.6M | 2.98% | 11.68% | 4.15% |
| Q3 2025 | $80.1M | $103.2M | 3.26% | 12.07% | 4.70% |
| Q4 2025 | $82.3M | $108.1M | 4.00% | 10.00% | 3.82% |
| Q1 2026 | $78.2M | $109.5M | 3.33% | 11.58% | 3.94% |
| Q2 2026 | $80.9M | $105.6M | 2.60% | 11.72% | 3.94% |
Farmers and Merchants State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants State 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 Farmers and Merchants State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21728) · FFIEC NIC profile (RSSD 677756)