Farmers and Merchants State Bank of Alpha: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.05 percentage points lower than in Q1 2026, at 68.67%. Within Minnesota, Farmers and Merchants State Bank of Alpha is 139th of 221 on loan-to-deposit ratio, 74.06% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers and Merchants State Bank of Alpha sits 6.43 points higher, at 74.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.5M |
| Net loans and leases | $30.2M |
| Loans held for sale | $0 |
| Loans to total assets | 64.33% |
| Loan-to-deposit ratio | 74.06% |
| Net loans to equity capital | 5.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.27% |
| Multifamily (5+ residential) | 3.04% |
| Commercial and industrial | 12.72% |
| Consumer | 5.38% |
| Credit cards | 0.00% |
| Farm | 30.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.67% |
| Construction concentration (Tier 1 capital + allowance) | 26.97% |
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 | 6.29% |
| Interest income on loans | $485K |
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 | $27.0M | $34.5M | 14.41% | 13.10% | 4.11% |
| Q4 2023 | $27.2M | $39.6M | 14.12% | 12.77% | 4.40% |
| Q1 2024 | $27.9M | $39.3M | 15.74% | 12.38% | 4.28% |
| Q2 2024 | $28.6M | $37.6M | 15.62% | 12.46% | 4.72% |
| Q3 2024 | $28.9M | $39.9M | 14.45% | 12.83% | 4.65% |
| Q4 2024 | $29.5M | $37.6M | 12.49% | 12.46% | 5.07% |
| Q1 2025 | $28.4M | $38.8M | 12.46% | 12.87% | 5.75% |
| Q2 2025 | $28.9M | $40.0M | 11.68% | 13.93% | 5.76% |
| Q3 2025 | $28.8M | $37.6M | 13.49% | 12.23% | 6.74% |
| Q4 2025 | $30.9M | $41.5M | 13.51% | 11.81% | 4.85% |
| Q1 2026 | $31.2M | $42.2M | 13.40% | 12.22% | 5.31% |
| Q2 2026 | $30.5M | $41.2M | 12.27% | 12.72% | 5.38% |
Farmers and Merchants State Bank of Alpha 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 of Alpha, 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 of Alpha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10571) · FFIEC NIC profile (RSSD 388753)