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 Loan-to-deposit ratio: 9.01 percentage points lower than in Q1 2026, at 90.11%. Farmers Bank ranks 35th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 90.11% (Q2 2026). Farmers Bank reported 90.11% on loan-to-deposit ratio for Q2 2026, 22.49 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.3M |
| Net loans and leases | $76.5M |
| Loans held for sale | $587K |
| Loans to total assets | 81.52% |
| Loan-to-deposit ratio | 90.11% |
| Net loans to equity capital | 9.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.07% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.72% |
| Consumer | 5.34% |
| Credit cards | 0.00% |
| Farm | 2.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.23% |
| Construction concentration (Tier 1 capital + allowance) | 192.55% |
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 | 8.93% |
| Interest income on loans | $1.7M |
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 | $33.2M | $43.8M | 14.72% | 3.52% | 11.56% |
| Q4 2023 | $34.5M | $43.8M | 16.66% | 1.30% | 11.64% |
| Q1 2024 | $39.4M | $45.0M | 14.74% | 2.65% | 10.77% |
| Q2 2024 | $45.5M | $54.0M | 14.01% | 2.82% | 9.55% |
| Q3 2024 | $46.0M | $61.7M | 10.85% | 2.59% | 9.26% |
| Q4 2024 | $48.9M | $63.7M | 10.54% | 2.42% | 8.26% |
| Q1 2025 | $52.4M | $60.5M | 10.58% | 2.64% | 7.85% |
| Q2 2025 | $58.2M | $64.3M | 11.18% | 2.31% | 7.18% |
| Q3 2025 | $63.9M | $66.7M | 10.24% | 2.01% | 7.12% |
| Q4 2025 | $67.0M | $72.5M | 10.57% | 3.77% | 6.74% |
| Q1 2026 | $73.1M | $73.7M | 9.09% | 3.52% | 5.75% |
| Q2 2026 | $77.3M | $85.8M | 10.07% | 1.72% | 5.34% |
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 8661) · FFIEC NIC profile (RSSD 524757)