Farmers and Miners 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.33 percentage points higher than in Q1 2026, at 91.49%. Farmers and Miners Bank ranks 49th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 60.48% (Q2 2026). Farmers and Miners Bank reported 60.48% on loan-to-deposit ratio for Q2 2026, 20.36 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $100.6M |
| Net loans and leases | $99.0M |
| Loans held for sale | $0 |
| Loans to total assets | 52.06% |
| Loan-to-deposit ratio | 60.48% |
| Net loans to equity capital | 3.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.38% |
| Multifamily (5+ residential) | 6.49% |
| Commercial and industrial | 29.43% |
| Consumer | 13.86% |
| Credit cards | 0.00% |
| Farm | 0.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.49% |
| Construction concentration (Tier 1 capital + allowance) | 20.82% |
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 | 7.49% |
| Interest income on loans | $1.8M |
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 | $83.5M | $155.3M | 12.52% | 32.78% | 11.79% |
| Q4 2023 | $85.2M | $154.0M | 14.67% | 31.96% | 11.25% |
| Q1 2024 | $87.5M | $154.1M | 14.12% | 32.17% | 10.79% |
| Q2 2024 | $87.1M | $152.2M | 13.81% | 32.31% | 10.83% |
| Q3 2024 | $89.3M | $152.7M | 13.69% | 32.46% | 11.70% |
| Q4 2024 | $91.1M | $152.5M | 14.45% | 32.89% | 11.46% |
| Q1 2025 | $92.9M | $155.3M | 15.03% | 33.11% | 10.71% |
| Q2 2025 | $94.8M | $154.9M | 15.04% | 32.35% | 11.15% |
| Q3 2025 | $96.3M | $158.0M | 14.79% | 32.24% | 11.68% |
| Q4 2025 | $98.8M | $158.9M | 15.18% | 31.19% | 11.32% |
| Q1 2026 | $96.5M | $164.2M | 15.46% | 32.49% | 11.74% |
| Q2 2026 | $100.6M | $166.3M | 16.38% | 29.43% | 13.86% |
Farmers and Miners Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Miners 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 Miners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22888) · FFIEC NIC profile (RSSD 658924)