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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 49.37 percentage points higher than in Q1 2026, at 303.88%. Farmers & Merchants Bank ranks 105th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 55.17% (Q2 2026). Farmers & Merchants Bank reported 55.17% on loan-to-deposit ratio for Q2 2026, 25.78 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.6M |
| Net loans and leases | $140.5M |
| Loans held for sale | $0 |
| Loans to total assets | 49.25% |
| Loan-to-deposit ratio | 55.17% |
| Net loans to equity capital | 4.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.02% |
| Multifamily (5+ residential) | 2.64% |
| Commercial and industrial | 1.43% |
| Consumer | 4.41% |
| Credit cards | 0.30% |
| Farm | 1.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 303.88% |
| Construction concentration (Tier 1 capital + allowance) | 86.80% |
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 | 6.96% |
| Interest income on loans | $2.4M |
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 | $113.7M | $235.8M | 50.00% | 11.37% | 5.63% |
| Q4 2023 | $114.1M | $246.3M | 52.64% | 7.45% | 5.37% |
| Q1 2024 | $115.6M | $233.8M | 54.63% | 5.38% | 4.96% |
| Q2 2024 | $126.5M | $239.8M | 57.54% | 5.03% | 4.44% |
| Q3 2024 | $138.0M | $285.1M | 55.21% | 3.68% | 3.86% |
| Q4 2024 | $141.4M | $310.3M | 54.42% | 2.71% | 3.54% |
| Q1 2025 | $139.9M | $305.6M | 57.26% | 2.58% | 3.25% |
| Q2 2025 | $124.5M | $289.7M | 54.39% | 3.17% | 5.34% |
| Q3 2025 | $119.7M | $275.7M | 56.26% | 3.26% | 5.64% |
| Q4 2025 | $119.6M | $281.7M | 57.64% | 2.14% | 5.52% |
| Q1 2026 | $122.1M | $268.3M | 56.00% | 1.95% | 5.44% |
| Q2 2026 | $142.6M | $258.6M | 56.02% | 1.43% | 4.41% |
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 9069) · FFIEC NIC profile (RSSD 64730)