Farmers & Merchants Bank of Central California: 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.
Cre concentration (tier 1 capital + allowance) dropped 5.39 percentage points in Q2 2026, from 166.52% to 161.13%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank of Central California ranks 94th of 114 California banks on loan-to-deposit ratio, in the lower half at 72.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers & Merchants Bank of Central California sits 15.53 points lower, at 72.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.70B |
| Net loans and leases | $3.63B |
| Loans held for sale | $0 |
| Loans to total assets | 63.48% |
| Loan-to-deposit ratio | 72.68% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.60% |
| Multifamily (5+ residential) | 4.09% |
| Commercial and industrial | 14.21% |
| Consumer | 0.09% |
| Credit cards | 0.00% |
| Farm | 18.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.13% |
| Construction concentration (Tier 1 capital + allowance) | 15.38% |
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 | 6.05% |
| Interest income on loans | $52.6M |
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 | $3.56B | $4.75B | 32.58% | 13.63% | 0.15% |
| Q4 2023 | $3.65B | $4.67B | 32.23% | 13.63% | 0.14% |
| Q1 2024 | $3.70B | $4.96B | 32.75% | 13.36% | 0.13% |
| Q2 2024 | $3.68B | $4.60B | 33.15% | 13.47% | 0.13% |
| Q3 2024 | $3.70B | $4.71B | 32.83% | 14.25% | 0.12% |
| Q4 2024 | $3.68B | $4.71B | 33.24% | 13.63% | 0.12% |
| Q1 2025 | $3.58B | $4.98B | 33.97% | 13.37% | 0.12% |
| Q2 2025 | $3.62B | $4.76B | 35.03% | 13.48% | 0.12% |
| Q3 2025 | $3.61B | $4.91B | 35.52% | 13.44% | 0.11% |
| Q4 2025 | $3.65B | $4.99B | 36.37% | 13.56% | 0.11% |
| Q1 2026 | $3.62B | $5.12B | 37.29% | 12.72% | 0.10% |
| Q2 2026 | $3.70B | $5.10B | 36.60% | 14.21% | 0.09% |
Farmers & Merchants Bank of Central California loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Central California, 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 of Central California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)