Farmers Bank & Trust Company: 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): 7.50 percentage points higher than in Q1 2026, at 330.95%. Within Arkansas, Farmers Bank & Trust Company is 32nd of 78 on loan-to-deposit ratio, 89.45% as of Q2 2026, above the middle of the field. At 89.45%, Farmers Bank & Trust Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.43B |
| Net loans and leases | $2.39B |
| Loans held for sale | $7.0M |
| Loans to total assets | 76.79% |
| Loan-to-deposit ratio | 89.45% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.08% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 14.77% |
| Consumer | 1.84% |
| Credit cards | 0.14% |
| Farm | 5.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.95% |
| Construction concentration (Tier 1 capital + allowance) | 67.45% |
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 | 6.74% |
| Interest income on loans | $40.7M |
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 | $1.93B | $2.47B | 36.36% | 16.54% | 3.68% |
| Q4 2023 | $1.99B | $2.49B | 37.76% | 17.07% | 3.42% |
| Q1 2024 | $2.04B | $2.50B | 38.18% | 16.30% | 3.27% |
| Q2 2024 | $2.10B | $2.59B | 38.04% | 17.65% | 3.07% |
| Q3 2024 | $2.17B | $2.55B | 39.66% | 17.42% | 2.86% |
| Q4 2024 | $2.24B | $2.69B | 42.40% | 16.48% | 2.67% |
| Q1 2025 | $2.24B | $2.71B | 43.90% | 15.60% | 2.58% |
| Q2 2025 | $2.28B | $2.71B | 43.37% | 16.30% | 2.42% |
| Q3 2025 | $2.30B | $2.67B | 44.28% | 16.65% | 2.28% |
| Q4 2025 | $2.35B | $2.73B | 45.30% | 15.70% | 2.10% |
| Q1 2026 | $2.40B | $2.84B | 47.17% | 15.22% | 1.92% |
| Q2 2026 | $2.43B | $2.71B | 47.08% | 14.77% | 1.84% |
Farmers Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)