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.
Commercial and industrial dropped 6.37 percentage points in Q2 2026, from 33.43% to 27.07%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank has the 1st lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 6.16% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Farmers & Merchants Bank reported 6.16% on loan-to-deposit ratio in Q2 2026, 61.46 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.3M |
| Net loans and leases | $5.1M |
| Loans held for sale | $0 |
| Loans to total assets | 5.42% |
| Loan-to-deposit ratio | 6.16% |
| Net loans to equity capital | 0.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 27.07% |
| Consumer | 24.97% |
| Credit cards | 0.00% |
| Farm | 3.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.18% |
| Construction concentration (Tier 1 capital + allowance) | 0.74% |
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 | 8.46% |
| Interest income on loans | $109K |
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 | $4.5M | $93.2M | 4.29% | 28.70% | 27.42% |
| Q4 2023 | $5.0M | $98.4M | 9.45% | 30.69% | 26.48% |
| Q1 2024 | $4.8M | $93.4M | 9.49% | 31.93% | 27.10% |
| Q2 2024 | $5.3M | $88.4M | 8.37% | 27.87% | 26.20% |
| Q3 2024 | $5.4M | $83.2M | 7.70% | 28.32% | 23.86% |
| Q4 2024 | $5.6M | $86.7M | 10.19% | 28.15% | 24.31% |
| Q1 2025 | $5.5M | $83.8M | 10.32% | 27.26% | 23.82% |
| Q2 2025 | $5.3M | $85.4M | 12.30% | 25.28% | 24.72% |
| Q3 2025 | $5.7M | $87.0M | 16.08% | 24.55% | 23.82% |
| Q4 2025 | $5.4M | $88.1M | 18.62% | 25.72% | 24.33% |
| Q1 2026 | $4.9M | $87.2M | 15.77% | 33.43% | 26.60% |
| Q2 2026 | $5.3M | $86.5M | 14.60% | 27.07% | 24.97% |
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 1745) · FFIEC NIC profile (RSSD 291732)