Farmers & Merchants 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.
Cre concentration (tier 1 capital + allowance) dropped 6.31 percentage points in Q2 2026, from 223.06% to 216.75%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Farmers & Merchants Bank is 33rd of 156 on loan-to-deposit ratio, 94.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers & Merchants Bank sits 13.57 points higher, at 94.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $290.1M |
| Net loans and leases | $285.5M |
| Loans held for sale | $0 |
| Loans to total assets | 80.73% |
| Loan-to-deposit ratio | 94.41% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.32% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 13.53% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 3.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.75% |
| Construction concentration (Tier 1 capital + allowance) | 51.01% |
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 | $4.9M |
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 | $213.8M | $242.7M | 57.89% | 12.16% | 0.63% |
| Q4 2023 | $223.6M | $247.9M | 56.54% | 12.97% | 0.64% |
| Q1 2024 | $233.7M | $250.3M | 58.31% | 12.36% | 0.57% |
| Q2 2024 | $244.1M | $281.0M | 56.80% | 13.11% | 0.49% |
| Q3 2024 | $252.1M | $279.6M | 56.91% | 12.79% | 0.50% |
| Q4 2024 | $262.7M | $277.5M | 57.38% | 12.66% | 0.45% |
| Q1 2025 | $269.4M | $285.1M | 56.82% | 13.76% | 0.40% |
| Q2 2025 | $277.2M | $294.1M | 55.99% | 13.29% | 0.37% |
| Q3 2025 | $281.6M | $297.9M | 54.08% | 13.43% | 0.34% |
| Q4 2025 | $287.0M | $303.4M | 55.28% | 13.32% | 0.29% |
| Q1 2026 | $288.8M | $304.8M | 54.82% | 13.59% | 0.29% |
| Q2 2026 | $290.1M | $307.3M | 55.32% | 13.53% | 0.26% |
Farmers & Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants 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 Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9462) · FFIEC NIC profile (RSSD 176325)