The Farmers Bank of Milton: 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.
Cre concentration (tier 1 capital + allowance) dropped 14.79 percentage points in Q2 2026, from 88.86% to 74.07%. It was the largest change from Q1 2026 among the key lines here. The Farmers Bank of Milton ranks 64th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 81.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Farmers Bank of Milton reported 81.70% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $207.0M |
| Net loans and leases | $205.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.85% |
| Loan-to-deposit ratio | 81.70% |
| Net loans to equity capital | 6.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.76% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 3.76% |
| Consumer | 2.31% |
| Credit cards | 0.00% |
| Farm | 3.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.07% |
| Construction concentration (Tier 1 capital + allowance) | 27.65% |
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 | 6.21% |
| Interest income on loans | $3.2M |
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 | $196.0M | $242.7M | 16.60% | 5.52% | 2.98% |
| Q4 2023 | $200.6M | $247.8M | 16.78% | 5.10% | 2.85% |
| Q1 2024 | $201.1M | $252.3M | 16.47% | 4.96% | 3.08% |
| Q2 2024 | $206.7M | $254.6M | 16.29% | 5.20% | 2.87% |
| Q3 2024 | $209.6M | $263.9M | 15.91% | 4.88% | 2.88% |
| Q4 2024 | $211.2M | $263.8M | 16.20% | 4.73% | 2.85% |
| Q1 2025 | $209.8M | $259.0M | 16.55% | 4.80% | 2.96% |
| Q2 2025 | $210.9M | $256.4M | 17.82% | 4.28% | 2.77% |
| Q3 2025 | $209.3M | $254.0M | 18.34% | 4.32% | 2.65% |
| Q4 2025 | $212.4M | $255.4M | 18.66% | 4.05% | 2.43% |
| Q1 2026 | $211.7M | $256.3M | 19.32% | 3.68% | 2.23% |
| Q2 2026 | $207.0M | $253.4M | 18.76% | 3.76% | 2.31% |
The Farmers Bank of Milton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Milton, 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 Milton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12163) · FFIEC NIC profile (RSSD 265340)