Farmers & Merchants Bank of North Dakota: 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 5.45 percentage points in Q2 2026, from 30.76% to 25.31%. It was the largest change from Q1 2026 among the key lines here. Within North Dakota, Farmers & Merchants Bank of North Dakota is 54th of 60 on loan-to-deposit ratio, 44.07% as of Q2 2026, below the middle of the field. Farmers & Merchants Bank of North Dakota reported 44.07% on loan-to-deposit ratio for Q2 2026, 36.77 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.1M |
| Net loans and leases | $46.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.33% |
| Loan-to-deposit ratio | 44.07% |
| Net loans to equity capital | 3.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.70% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.56% |
| Consumer | 5.56% |
| Credit cards | 0.62% |
| Farm | 32.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.31% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.00% |
| Interest income on loans | $804K |
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 | $64.3M | $112.1M | 10.64% | 14.61% | 5.50% |
| Q4 2023 | $60.2M | $108.2M | 10.51% | 16.08% | 5.69% |
| Q1 2024 | $53.8M | $102.9M | 11.57% | 17.72% | 6.28% |
| Q2 2024 | $57.8M | $101.3M | 10.93% | 16.89% | 5.88% |
| Q3 2024 | $57.6M | $97.8M | 6.22% | 16.21% | 5.54% |
| Q4 2024 | $54.9M | $100.7M | 9.88% | 16.58% | 5.87% |
| Q1 2025 | $51.4M | $107.4M | 10.60% | 17.59% | 5.75% |
| Q2 2025 | $52.2M | $105.1M | 8.72% | 16.83% | 5.88% |
| Q3 2025 | $56.4M | $101.7M | 7.96% | 18.32% | 5.25% |
| Q4 2025 | $54.1M | $105.9M | 8.10% | 13.47% | 5.16% |
| Q1 2026 | $44.8M | $111.4M | 9.61% | 12.49% | 6.70% |
| Q2 2026 | $47.1M | $106.9M | 7.70% | 10.56% | 5.56% |
Farmers & Merchants Bank of North Dakota loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of North Dakota, 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 North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8640) · FFIEC NIC profile (RSSD 954158)