The Farmers Bank of Willards: 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): 9.44 percentage points lower than in Q1 2026, at 110.62%. Within Maryland, The Farmers Bank of Willards is 18th of 27 on loan-to-deposit ratio, 83.97% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers Bank of Willards sits 3.13 points higher, at 83.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $396.8M |
| Net loans and leases | $392.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.46% |
| Loan-to-deposit ratio | 83.97% |
| Net loans to equity capital | 6.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.12% |
| Multifamily (5+ residential) | 2.32% |
| Commercial and industrial | 6.18% |
| Consumer | 2.13% |
| Credit cards | 0.00% |
| Farm | 2.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.62% |
| Construction concentration (Tier 1 capital + allowance) | 56.28% |
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 | 6.39% |
| Interest income on loans | $6.3M |
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 | $371.1M | $449.4M | 20.79% | 8.63% | 3.30% |
| Q4 2023 | $379.2M | $436.5M | 20.52% | 8.62% | 3.24% |
| Q1 2024 | $377.9M | $441.8M | 20.54% | 8.04% | 3.15% |
| Q2 2024 | $373.4M | $442.2M | 20.48% | 7.61% | 3.05% |
| Q3 2024 | $374.7M | $446.8M | 20.92% | 7.28% | 3.00% |
| Q4 2024 | $372.6M | $467.5M | 20.92% | 7.13% | 2.84% |
| Q1 2025 | $374.2M | $469.2M | 20.70% | 7.33% | 2.72% |
| Q2 2025 | $377.0M | $460.9M | 20.66% | 7.25% | 2.63% |
| Q3 2025 | $385.8M | $463.5M | 21.13% | 6.81% | 2.53% |
| Q4 2025 | $390.4M | $468.3M | 20.28% | 6.90% | 2.41% |
| Q1 2026 | $392.7M | $463.1M | 20.26% | 6.30% | 2.17% |
| Q2 2026 | $396.8M | $472.6M | 20.12% | 6.18% | 2.13% |
The Farmers Bank of Willards loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Willards, 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 Willards profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5885) · FFIEC NIC profile (RSSD 105026)