Farmers Bank of Lohman: 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.
Loan-to-deposit ratio dropped 2.45 percentage points in Q2 2026, from 36.65% to 34.20%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers Bank of Lohman is 7th from the bottom among 192 Missouri banks, 34.20% (Q2 2026). Farmers Bank of Lohman reported 34.20% on loan-to-deposit ratio for Q2 2026, 33.42 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $24.0M |
| Net loans and leases | $23.8M |
| Loans held for sale | $0 |
| Loans to total assets | 28.89% |
| Loan-to-deposit ratio | 34.20% |
| Net loans to equity capital | 1.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.15% |
| Multifamily (5+ residential) | 0.81% |
| Commercial and industrial | 15.20% |
| Consumer | 7.20% |
| Credit cards | 0.00% |
| Farm | 5.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.73% |
| Construction concentration (Tier 1 capital + allowance) | 10.40% |
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 | 6.20% |
| Interest income on loans | $378K |
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 | $23.9M | $64.9M | 5.68% | 16.50% | 8.43% |
| Q4 2023 | $24.3M | $64.5M | 5.53% | 17.22% | 8.34% |
| Q1 2024 | $24.1M | $64.9M | 5.18% | 17.30% | 8.84% |
| Q2 2024 | $24.4M | $66.0M | 5.02% | 16.67% | 8.93% |
| Q3 2024 | $23.9M | $65.3M | 5.08% | 17.16% | 8.64% |
| Q4 2024 | $22.9M | $65.6M | 4.90% | 16.27% | 8.48% |
| Q1 2025 | $24.2M | $67.3M | 4.53% | 14.64% | 8.06% |
| Q2 2025 | $24.8M | $67.4M | 6.51% | 16.63% | 7.35% |
| Q3 2025 | $23.9M | $68.4M | 6.69% | 16.48% | 7.49% |
| Q4 2025 | $24.4M | $67.8M | 6.49% | 15.89% | 7.65% |
| Q1 2026 | $25.1M | $68.4M | 6.26% | 15.09% | 6.96% |
| Q2 2026 | $24.0M | $70.1M | 8.15% | 15.20% | 7.20% |
Farmers Bank of Lohman loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank of Lohman, 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 of Lohman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8268) · FFIEC NIC profile (RSSD 743950)