Farmers & Merchants Bank of Colby: 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 4.01 percentage points in Q2 2026, from 67.47% to 71.48%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers & Merchants Bank of Colby is 29th of 182 on loan-to-deposit ratio, 93.96% as of Q2 2026, above the middle of the field. Farmers & Merchants Bank of Colby reported 93.96% on loan-to-deposit ratio for Q2 2026, 13.02 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $480.5M |
| Net loans and leases | $475.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.82% |
| Loan-to-deposit ratio | 93.96% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.58% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 16.36% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 18.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.52% |
| Construction concentration (Tier 1 capital + allowance) | 71.48% |
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 | 6.92% |
| Interest income on loans | $8.2M |
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 | $333.9M | $360.9M | 24.64% | 16.04% | 0.36% |
| Q4 2023 | $344.4M | $390.2M | 24.67% | 14.41% | 0.36% |
| Q1 2024 | $363.0M | $382.4M | 26.03% | 14.90% | 0.37% |
| Q2 2024 | $373.4M | $391.5M | 27.24% | 16.39% | 0.37% |
| Q3 2024 | $391.4M | $405.6M | 27.23% | 16.91% | 0.37% |
| Q4 2024 | $394.4M | $437.9M | 24.96% | 16.93% | 0.36% |
| Q1 2025 | $413.2M | $460.3M | 26.00% | 16.06% | 0.34% |
| Q2 2025 | $435.7M | $457.5M | 24.21% | 15.03% | 0.37% |
| Q3 2025 | $440.5M | $460.9M | 22.29% | 15.58% | 0.32% |
| Q4 2025 | $459.8M | $504.0M | 21.24% | 16.06% | 0.45% |
| Q1 2026 | $462.8M | $499.9M | 21.70% | 16.30% | 0.31% |
| Q2 2026 | $480.5M | $511.3M | 21.58% | 16.36% | 0.32% |
Farmers & Merchants Bank of Colby loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Colby, 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 Colby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)