Farmers and Merchants State Bank of Pierz: 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 2.72 percentage points in Q2 2026, from 70.56% to 67.84%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Farmers and Merchants State Bank of Pierz is 155th of 221 on loan-to-deposit ratio, 71.69% 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. Farmers and Merchants State Bank of Pierz sits 9.15 points lower, at 71.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $221.1M |
| Net loans and leases | $218.2M |
| Loans held for sale | $0 |
| Loans to total assets | 65.77% |
| Loan-to-deposit ratio | 71.69% |
| Net loans to equity capital | 9.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.39% |
| Multifamily (5+ residential) | 0.85% |
| Commercial and industrial | 11.71% |
| Consumer | 2.93% |
| Credit cards | 0.00% |
| Farm | 31.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.84% |
| Construction concentration (Tier 1 capital + allowance) | 1.86% |
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 | 7.60% |
| Interest income on loans | $4.1M |
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 | $202.1M | $286.6M | 17.20% | 10.37% | 3.04% |
| Q4 2023 | $208.5M | $287.2M | 15.43% | 10.60% | 3.33% |
| Q1 2024 | $209.5M | $282.4M | 16.45% | 10.92% | 3.22% |
| Q2 2024 | $215.1M | $291.2M | 15.92% | 10.99% | 3.16% |
| Q3 2024 | $215.3M | $312.7M | 15.67% | 10.48% | 3.08% |
| Q4 2024 | $219.7M | $306.3M | 15.66% | 9.96% | 2.92% |
| Q1 2025 | $221.0M | $297.9M | 15.84% | 10.08% | 2.86% |
| Q2 2025 | $200.3M | $298.5M | 15.29% | 11.55% | 3.04% |
| Q3 2025 | $208.3M | $308.8M | 15.56% | 11.48% | 2.97% |
| Q4 2025 | $213.8M | $314.1M | 14.92% | 10.89% | 2.88% |
| Q1 2026 | $215.1M | $307.7M | 14.38% | 11.41% | 3.16% |
| Q2 2026 | $221.1M | $308.5M | 13.39% | 11.71% | 2.93% |
Farmers and Merchants State Bank of Pierz 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 Pierz, 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 Pierz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10165) · FFIEC NIC profile (RSSD 728957)