Farmers Bank of Northern Missouri: 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: 3.44 percentage points higher than in Q1 2026, at 68.91%. Farmers Bank of Northern Missouri ranks 157th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 68.91% (Q2 2026). Farmers Bank of Northern Missouri reported 68.91% on loan-to-deposit ratio for Q2 2026, 11.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $329.7M |
| Net loans and leases | $325.7M |
| Loans held for sale | $0 |
| Loans to total assets | 58.19% |
| Loan-to-deposit ratio | 68.91% |
| Net loans to equity capital | 4.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.24% |
| Consumer | 2.00% |
| Credit cards | 0.00% |
| Farm | 41.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.04% |
| Construction concentration (Tier 1 capital + allowance) | 8.37% |
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 | 7.08% |
| Interest income on loans | $5.7M |
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 | $249.1M | $406.5M | 7.24% | 5.83% | 2.53% |
| Q4 2023 | $252.6M | $422.4M | 8.82% | 5.22% | 2.44% |
| Q1 2024 | $254.0M | $421.4M | 8.96% | 5.80% | 2.40% |
| Q2 2024 | $259.9M | $430.5M | 8.76% | 5.38% | 2.52% |
| Q3 2024 | $269.0M | $426.3M | 8.57% | 5.66% | 2.60% |
| Q4 2024 | $277.1M | $453.4M | 7.90% | 5.20% | 2.26% |
| Q1 2025 | $283.4M | $455.2M | 8.28% | 6.14% | 2.14% |
| Q2 2025 | $301.5M | $453.2M | 8.58% | 6.75% | 2.03% |
| Q3 2025 | $300.4M | $454.0M | 8.11% | 6.72% | 2.14% |
| Q4 2025 | $310.4M | $478.8M | 8.43% | 5.93% | 1.91% |
| Q1 2026 | $315.4M | $481.8M | 9.04% | 6.18% | 1.96% |
| Q2 2026 | $329.7M | $478.4M | 9.23% | 6.24% | 2.00% |
Farmers Bank of Northern Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank of Northern Missouri, 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 Northern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4539) · FFIEC NIC profile (RSSD 303952)