The 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.
Cre concentration (tier 1 capital + allowance) climbed 13.08 percentage points in Q2 2026, from 297.43% to 310.51%. It was the largest change from Q1 2026 among the key lines here. The Farmers & Merchants Bank ranks 54th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 94.42% (Q2 2026). The Farmers & Merchants Bank reported 94.42% on loan-to-deposit ratio for Q2 2026, 13.58 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $740.9M |
| Net loans and leases | $730.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.04% |
| Loan-to-deposit ratio | 94.42% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.95% |
| Multifamily (5+ residential) | 12.87% |
| Commercial and industrial | 19.30% |
| Consumer | 0.94% |
| Credit cards | 0.16% |
| Farm | 4.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 310.51% |
| Construction concentration (Tier 1 capital + allowance) | 63.14% |
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 | 6.84% |
| Interest income on loans | $12.9M |
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 | $613.0M | $630.2M | 33.76% | 15.85% | 1.23% |
| Q4 2023 | $659.7M | $690.7M | 31.35% | 18.75% | 1.15% |
| Q1 2024 | $699.8M | $743.0M | 30.79% | 21.31% | 1.03% |
| Q2 2024 | $700.7M | $766.8M | 30.75% | 20.35% | 1.06% |
| Q3 2024 | $712.6M | $764.1M | 29.26% | 21.12% | 1.05% |
| Q4 2024 | $739.3M | $796.8M | 27.21% | 23.13% | 0.95% |
| Q1 2025 | $735.9M | $819.1M | 27.90% | 21.78% | 0.95% |
| Q2 2025 | $740.3M | $832.3M | 27.89% | 21.19% | 0.99% |
| Q3 2025 | $736.4M | $836.4M | 27.54% | 21.66% | 1.00% |
| Q4 2025 | $742.8M | $826.4M | 27.39% | 22.46% | 1.00% |
| Q1 2026 | $732.2M | $822.6M | 28.22% | 20.36% | 0.92% |
| Q2 2026 | $740.9M | $784.7M | 29.95% | 19.30% | 0.94% |
The Farmers & Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15779) · FFIEC NIC profile (RSSD 574949)