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 Construction concentration (Tier 1 capital + allowance): 3.14 percentage points lower than in Q1 2026, at 49.01%. Within Virginia, Farmers & Merchants Bank is 41st of 56 on loan-to-deposit ratio, 73.24% as of Q2 2026, below the middle of the field. Farmers & Merchants Bank reported 73.24% on loan-to-deposit ratio for Q2 2026, 14.96 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $927.9M |
| Net loans and leases | $919.8M |
| Loans held for sale | $2.6M |
| Loans to total assets | 66.47% |
| Loan-to-deposit ratio | 73.24% |
| Net loans to equity capital | 7.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.89% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 6.53% |
| Consumer | 8.48% |
| Credit cards | 0.38% |
| Farm | 13.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.88% |
| Construction concentration (Tier 1 capital + allowance) | 49.01% |
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 | 6.51% |
| Interest income on loans | $14.9M |
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 | $807.6M | $1.14B | 24.01% | 5.85% | 17.56% |
| Q4 2023 | $823.2M | $1.14B | 24.10% | 5.38% | 17.01% |
| Q1 2024 | $827.3M | $1.16B | 22.94% | 5.63% | 16.44% |
| Q2 2024 | $830.3M | $1.19B | 22.45% | 6.31% | 15.98% |
| Q3 2024 | $833.0M | $1.22B | 21.72% | 6.87% | 15.11% |
| Q4 2024 | $842.2M | $1.20B | 21.87% | 7.70% | 14.08% |
| Q1 2025 | $827.6M | $1.21B | 21.60% | 6.75% | 13.39% |
| Q2 2025 | $851.1M | $1.20B | 23.30% | 6.89% | 12.07% |
| Q3 2025 | $873.6M | $1.24B | 23.64% | 6.47% | 10.97% |
| Q4 2025 | $889.4M | $1.25B | 23.72% | 6.39% | 10.03% |
| Q1 2026 | $900.6M | $1.28B | 22.90% | 6.64% | 9.11% |
| Q2 2026 | $927.9M | $1.27B | 22.89% | 6.53% | 8.48% |
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 8668) · FFIEC NIC profile (RSSD 713926)