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.
Loan-to-deposit ratio dropped 6.61 percentage points in Q2 2026, from 85.73% to 79.12%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Farmers & Merchants Bank is 64th of 122 on loan-to-deposit ratio, 79.12% 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 reported 79.12% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $620.8M |
| Net loans and leases | $613.1M |
| Loans held for sale | $0 |
| Loans to total assets | 72.03% |
| Loan-to-deposit ratio | 79.12% |
| Net loans to equity capital | 8.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.42% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 11.77% |
| Consumer | 4.69% |
| Credit cards | 0.39% |
| Farm | 7.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 264.38% |
| Construction concentration (Tier 1 capital + allowance) | 147.69% |
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 | 7.88% |
| Interest income on loans | $12.1M |
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 | $473.2M | $591.8M | 24.42% | 17.73% | 5.88% |
| Q4 2023 | $474.5M | $587.2M | 24.37% | 17.73% | 5.86% |
| Q1 2024 | $484.9M | $617.3M | 22.50% | 18.28% | 5.89% |
| Q2 2024 | $508.8M | $620.5M | 21.64% | 18.56% | 5.76% |
| Q3 2024 | $520.4M | $601.9M | 22.23% | 18.46% | 5.75% |
| Q4 2024 | $529.0M | $677.3M | 22.27% | 17.20% | 6.43% |
| Q1 2025 | $550.6M | $682.0M | 27.30% | 16.79% | 5.16% |
| Q2 2025 | $577.7M | $695.7M | 31.82% | 16.35% | 5.14% |
| Q3 2025 | $563.8M | $685.4M | 29.12% | 14.61% | 5.46% |
| Q4 2025 | $601.7M | $672.9M | 30.33% | 12.88% | 4.84% |
| Q1 2026 | $612.1M | $713.9M | 30.40% | 11.43% | 4.78% |
| Q2 2026 | $620.8M | $784.7M | 28.42% | 11.77% | 4.69% |
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 5716) · FFIEC NIC profile (RSSD 763930)