Farmers Bank & Trust: 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 68.4% in Q2 2026, from $41.7M to $13.2M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers Bank & Trust is 106th of 182 on loan-to-deposit ratio, 72.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers Bank & Trust sits 16.12 points lower, at 72.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.9M |
| Net loans and leases | $498.3M |
| Loans held for sale | $13.2M |
| Loans to total assets | 47.81% |
| Loan-to-deposit ratio | 72.08% |
| Net loans to equity capital | 2.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.51% |
| Multifamily (5+ residential) | 3.70% |
| Commercial and industrial | 3.16% |
| Consumer | 1.48% |
| Credit cards | 0.00% |
| Farm | 11.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.16% |
| Construction concentration (Tier 1 capital + allowance) | 35.28% |
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 | — |
| Interest income on loans | $7.9M |
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 | $409.0M | $763.0M | 20.29% | 4.21% | 0.51% |
| Q4 2023 | $403.6M | $755.6M | 22.66% | 4.14% | 0.50% |
| Q1 2024 | $426.0M | $744.5M | 21.09% | 4.43% | 0.49% |
| Q2 2024 | $474.1M | $763.2M | 20.23% | 4.04% | 0.46% |
| Q3 2024 | $467.6M | $772.3M | 21.08% | 4.23% | 0.47% |
| Q4 2024 | $470.7M | $743.4M | 22.19% | 4.19% | 0.45% |
| Q1 2025 | $482.7M | $709.3M | 20.60% | 4.31% | 0.43% |
| Q2 2025 | $472.5M | $700.4M | 21.21% | 4.20% | 0.49% |
| Q3 2025 | $502.0M | $729.9M | 20.68% | 3.84% | 1.41% |
| Q4 2025 | $516.5M | $698.5M | 21.72% | 3.55% | 1.27% |
| Q1 2026 | $528.5M | $721.1M | 21.07% | 2.99% | 1.33% |
| Q2 2026 | $503.9M | $699.1M | 22.51% | 3.16% | 1.48% |
Farmers Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17614) · FFIEC NIC profile (RSSD 482156)