The Farmers Bank of Appomattox: 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: 4.95 percentage points higher than in Q1 2026, at 82.88%. Within Virginia, The Farmers Bank of Appomattox is 31st of 56 on loan-to-deposit ratio, 82.88% as of Q2 2026, below the middle of the field. At 82.88%, The Farmers Bank of Appomattox'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 | $259.9M |
| Net loans and leases | $258.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.37% |
| Loan-to-deposit ratio | 82.88% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.01% |
| Multifamily (5+ residential) | 1.52% |
| Commercial and industrial | 6.94% |
| Consumer | 13.87% |
| Credit cards | 0.00% |
| Farm | 0.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.83% |
| Construction concentration (Tier 1 capital + allowance) | 45.98% |
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 | 6.57% |
| Interest income on loans | $4.2M |
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 | $217.6M | $285.6M | 14.58% | 4.65% | 18.91% |
| Q4 2023 | $221.9M | $308.9M | 14.30% | 5.86% | 18.40% |
| Q1 2024 | $217.4M | $311.2M | 14.37% | 3.95% | 18.34% |
| Q2 2024 | $216.6M | $307.5M | 13.33% | 4.13% | 18.06% |
| Q3 2024 | $224.8M | $314.6M | 13.08% | 6.66% | 17.15% |
| Q4 2024 | $230.8M | $309.0M | 13.15% | 6.03% | 16.92% |
| Q1 2025 | $230.9M | $316.8M | 12.85% | 5.94% | 16.95% |
| Q2 2025 | $237.0M | $321.9M | 12.44% | 5.32% | 16.87% |
| Q3 2025 | $239.8M | $316.1M | 12.22% | 4.67% | 16.60% |
| Q4 2025 | $247.4M | $317.2M | 12.00% | 6.13% | 15.33% |
| Q1 2026 | $252.1M | $323.5M | 13.52% | 5.34% | 14.61% |
| Q2 2026 | $259.9M | $313.6M | 13.01% | 6.94% | 13.87% |
The Farmers Bank of Appomattox loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Appomattox, 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 of Appomattox profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6813) · FFIEC NIC profile (RSSD 188720)