The Farmers Bank: 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.
Loans held for sale dropped 47.2% in Q2 2026, from $2.8M to $1.5M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Farmers Bank is 69th of 109 on loan-to-deposit ratio, 78.60% as of Q2 2026, below the middle of the field. At 78.60%, The Farmers Bank'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 | $628.8M |
| Net loans and leases | $621.1M |
| Loans held for sale | $1.5M |
| Loans to total assets | 66.69% |
| Loan-to-deposit ratio | 78.60% |
| Net loans to equity capital | 4.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.03% |
| Multifamily (5+ residential) | 1.97% |
| Commercial and industrial | 8.00% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| Farm | 4.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.89% |
| Construction concentration (Tier 1 capital + allowance) | 90.12% |
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 | 7.62% |
| Interest income on loans | $12.0M |
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 | $562.7M | $726.5M | 23.72% | 6.81% | 1.43% |
| Q4 2023 | $545.2M | $730.7M | 22.96% | 7.32% | 1.42% |
| Q1 2024 | $544.6M | $717.4M | 22.51% | 6.57% | 1.42% |
| Q2 2024 | $559.1M | $735.0M | 22.90% | 6.43% | 1.42% |
| Q3 2024 | $564.6M | $745.9M | 22.60% | 6.88% | 1.40% |
| Q4 2024 | $569.3M | $768.2M | 22.31% | 7.84% | 1.32% |
| Q1 2025 | $585.3M | $769.4M | 22.52% | 7.85% | 1.25% |
| Q2 2025 | $596.9M | $759.9M | 22.58% | 8.42% | 1.21% |
| Q3 2025 | $607.7M | $761.1M | 23.34% | 8.09% | 1.21% |
| Q4 2025 | $613.2M | $796.6M | 23.87% | 7.89% | 1.18% |
| Q1 2026 | $625.7M | $811.5M | 25.76% | 7.96% | 1.08% |
| Q2 2026 | $628.8M | $800.0M | 25.03% | 8.00% | 1.10% |
The Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1696) · FFIEC NIC profile (RSSD 901938)