The Farmers Bank and Savings Company: 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): 1.90 percentage points lower than in Q1 2026, at 85.63%. Within Ohio, The Farmers Bank and Savings Company is 90th of 156 on loan-to-deposit ratio, 79.31% as of Q2 2026, below the middle of the field. At 79.31%, The Farmers Bank and Savings Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $337.4M |
| Net loans and leases | $334.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.50% |
| Loan-to-deposit ratio | 79.31% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.68% |
| Multifamily (5+ residential) | 2.46% |
| Commercial and industrial | 10.35% |
| Consumer | 3.30% |
| Credit cards | 0.00% |
| Farm | 4.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.63% |
| Construction concentration (Tier 1 capital + allowance) | 25.17% |
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 | 6.67% |
| Interest income on loans | $5.6M |
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 | $277.6M | $380.2M | 21.68% | 7.72% | 5.24% |
| Q4 2023 | $277.9M | $388.0M | 21.25% | 8.42% | 5.06% |
| Q1 2024 | $278.4M | $400.0M | 21.08% | 9.28% | 4.86% |
| Q2 2024 | $282.4M | $403.5M | 20.41% | 9.99% | 4.61% |
| Q3 2024 | $290.8M | $402.5M | 19.64% | 10.83% | 4.48% |
| Q4 2024 | $295.9M | $418.1M | 19.14% | 10.99% | 4.16% |
| Q1 2025 | $297.8M | $423.2M | 19.66% | 10.69% | 4.00% |
| Q2 2025 | $301.8M | $419.0M | 19.93% | 8.60% | 3.96% |
| Q3 2025 | $312.0M | $416.9M | 20.49% | 9.17% | 3.81% |
| Q4 2025 | $323.2M | $418.9M | 22.66% | 10.39% | 3.50% |
| Q1 2026 | $336.0M | $427.3M | 23.32% | 11.24% | 3.21% |
| Q2 2026 | $337.4M | $425.5M | 22.68% | 10.35% | 3.30% |
The Farmers Bank and Savings Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank and Savings Company, 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 The Farmers Bank and Savings Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 769) · FFIEC NIC profile (RSSD 58225)