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.
Construction concentration (tier 1 capital + allowance) climbed 5.80 percentage points in Q2 2026, from 34.83% to 40.63%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Farmers & Merchants Bank is 68th of 93 on loan-to-deposit ratio, 57.06% as of Q2 2026, below 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 23.78 points lower, at 57.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.3M |
| Net loans and leases | $151.3M |
| Loans held for sale | $0 |
| Loans to total assets | 49.65% |
| Loan-to-deposit ratio | 57.06% |
| Net loans to equity capital | 4.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.92% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 14.75% |
| Consumer | 3.22% |
| Credit cards | 0.00% |
| Farm | 2.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.87% |
| Construction concentration (Tier 1 capital + allowance) | 40.63% |
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 | 6.94% |
| Interest income on loans | $2.6M |
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 | $141.2M | $257.4M | 32.66% | 15.64% | 3.50% |
| Q4 2023 | $138.3M | $271.8M | 33.36% | 16.01% | 3.44% |
| Q1 2024 | $137.5M | $256.5M | 32.42% | 15.94% | 3.62% |
| Q2 2024 | $139.8M | $259.1M | 33.58% | 15.85% | 3.52% |
| Q3 2024 | $147.4M | $257.2M | 31.25% | 17.53% | 3.39% |
| Q4 2024 | $146.1M | $266.7M | 27.48% | 19.12% | 3.43% |
| Q1 2025 | $144.1M | $281.3M | 26.76% | 18.20% | 3.39% |
| Q2 2025 | $141.8M | $284.1M | 29.09% | 17.25% | 3.50% |
| Q3 2025 | $139.2M | $277.0M | 29.24% | 15.43% | 3.44% |
| Q4 2025 | $142.4M | $276.6M | 30.06% | 15.82% | 3.24% |
| Q1 2026 | $146.4M | $277.6M | 29.69% | 15.55% | 3.12% |
| Q2 2026 | $153.3M | $268.6M | 29.92% | 14.75% | 3.22% |
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 1735) · FFIEC NIC profile (RSSD 434539)