Farmers 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 8.91 percentage points in Q2 2026, from 93.96% to 85.05%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Farmers Bank is 52nd of 63 on loan-to-deposit ratio, 61.48% 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 Bank sits 19.36 points lower, at 61.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.6M |
| Net loans and leases | $167.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.05% |
| Loan-to-deposit ratio | 61.48% |
| Net loans to equity capital | 8.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.46% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 8.86% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 21.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.05% |
| Construction concentration (Tier 1 capital + allowance) | 59.78% |
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 | 6.88% |
| 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 | $175.5M | $299.2M | 20.30% | 14.72% | 1.38% |
| Q4 2023 | $169.8M | $284.2M | 20.61% | 13.72% | 0.47% |
| Q1 2024 | $163.1M | $278.4M | 22.20% | 9.65% | 0.59% |
| Q2 2024 | $170.6M | $281.1M | 22.12% | 8.47% | 0.70% |
| Q3 2024 | $173.3M | $278.1M | 21.80% | 8.88% | 0.48% |
| Q4 2024 | $171.0M | $275.9M | 22.47% | 8.53% | 0.47% |
| Q1 2025 | $170.6M | $274.8M | 22.79% | 8.26% | 0.43% |
| Q2 2025 | $184.5M | $280.9M | 20.75% | 8.60% | 0.50% |
| Q3 2025 | $171.0M | $289.9M | 19.00% | 7.53% | 0.51% |
| Q4 2025 | $168.1M | $270.5M | 19.68% | 9.28% | 0.44% |
| Q1 2026 | $168.1M | $270.5M | 20.49% | 9.70% | 0.40% |
| Q2 2026 | $169.6M | $275.9M | 22.46% | 8.86% | 0.33% |
Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57335) · FFIEC NIC profile (RSSD 3020447)