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.
Loan-to-deposit ratio climbed 7.29 percentage points in Q2 2026, from 57.11% to 64.40%. It was the largest change from Q1 2026 among the key lines here. Farmers Bank & Trust ranks 130th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 64.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers Bank & Trust sits 16.55 points lower, at 64.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.3M |
| Net loans and leases | $92.2M |
| Loans held for sale | $0 |
| Loans to total assets | 58.65% |
| Loan-to-deposit ratio | 64.40% |
| Net loans to equity capital | 6.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.57% |
| Multifamily (5+ residential) | 0.85% |
| Commercial and industrial | 24.32% |
| Consumer | 3.23% |
| Credit cards | 0.00% |
| Farm | 28.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.79% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.40% |
| Interest income on loans | $1.4M |
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 | $68.1M | $133.5M | 4.06% | 12.20% | 2.43% |
| Q4 2023 | $68.9M | $144.8M | 4.07% | 13.89% | 2.52% |
| Q1 2024 | $65.9M | $138.3M | 4.32% | 13.35% | 2.84% |
| Q2 2024 | $71.8M | $134.6M | 3.90% | 12.44% | 2.83% |
| Q3 2024 | $72.7M | $133.9M | 3.86% | 12.27% | 2.83% |
| Q4 2024 | $78.5M | $175.4M | 3.56% | 15.20% | 3.60% |
| Q1 2025 | $79.2M | $157.9M | 3.49% | 18.83% | 3.85% |
| Q2 2025 | $82.5M | $154.6M | 2.91% | 19.22% | 3.88% |
| Q3 2025 | $82.4M | $151.3M | 3.16% | 20.98% | 3.89% |
| Q4 2025 | $88.3M | $155.7M | 2.88% | 21.53% | 4.34% |
| Q1 2026 | $83.3M | $145.9M | 2.93% | 24.42% | 4.43% |
| Q2 2026 | $93.3M | $144.8M | 2.57% | 24.32% | 3.23% |
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 4621) · FFIEC NIC profile (RSSD 984351)