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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.75 percentage points lower than in Q1 2026, at 142.88%. Farmers Bank ranks 92nd of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 72.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Bank sits 8.28 points lower, at 72.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.9M |
| Net loans and leases | $179.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.34% |
| Loan-to-deposit ratio | 72.56% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.88% |
| Multifamily (5+ residential) | 3.28% |
| Commercial and industrial | 5.25% |
| Consumer | 1.67% |
| Credit cards | 0.00% |
| Farm | 3.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.88% |
| Construction concentration (Tier 1 capital + allowance) | 74.31% |
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 | 6.49% |
| Interest income on loans | $3.0M |
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 | $152.6M | $209.6M | 16.58% | 4.73% | 1.36% |
| Q4 2023 | $156.2M | $221.0M | 16.53% | 5.03% | 1.51% |
| Q1 2024 | $157.5M | $214.4M | 16.70% | 5.02% | 1.34% |
| Q2 2024 | $160.2M | $210.6M | 16.92% | 5.89% | 1.78% |
| Q3 2024 | $171.3M | $205.3M | 16.29% | 6.00% | 1.39% |
| Q4 2024 | $172.5M | $217.3M | 16.35% | 5.85% | 1.53% |
| Q1 2025 | $174.4M | $213.8M | 16.16% | 5.62% | 1.61% |
| Q2 2025 | $180.6M | $210.9M | 15.91% | 5.48% | 1.52% |
| Q3 2025 | $181.1M | $216.0M | 16.25% | 5.90% | 1.59% |
| Q4 2025 | $186.1M | $238.8M | 15.51% | 5.25% | 1.73% |
| Q1 2026 | $182.9M | $239.9M | 14.64% | 5.54% | 1.79% |
| Q2 2026 | $181.9M | $250.7M | 14.88% | 5.25% | 1.67% |
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 14894) · FFIEC NIC profile (RSSD 485214)