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.
Construction concentration (tier 1 capital + allowance) climbed 6.19 percentage points in Q2 2026, from 83.01% to 89.20%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, The Farmers & Merchants Bank is 47th of 78 on loan-to-deposit ratio, 83.33% as of Q2 2026, below the middle of the field. The Farmers & Merchants Bank reported 83.33% on loan-to-deposit ratio for Q2 2026, 4.88 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.43B |
| Net loans and leases | $1.41B |
| Loans held for sale | $615K |
| Loans to total assets | 71.08% |
| Loan-to-deposit ratio | 83.33% |
| Net loans to equity capital | 6.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.47% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 11.90% |
| Consumer | 3.56% |
| Credit cards | 0.00% |
| Farm | 8.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.92% |
| Construction concentration (Tier 1 capital + allowance) | 89.20% |
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 | 6.81% |
| Interest income on loans | $24.1M |
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 | $1.22B | $1.46B | 30.22% | 12.27% | 1.99% |
| Q4 2023 | $1.19B | $1.46B | 29.76% | 12.63% | 2.24% |
| Q1 2024 | $1.22B | $1.46B | 28.82% | 14.44% | 2.39% |
| Q2 2024 | $1.27B | $1.47B | 27.26% | 15.05% | 2.66% |
| Q3 2024 | $1.28B | $1.49B | 27.01% | 12.94% | 3.41% |
| Q4 2024 | $1.29B | $1.51B | 27.03% | 12.46% | 3.92% |
| Q1 2025 | $1.31B | $1.56B | 26.95% | 12.41% | 3.66% |
| Q2 2025 | $1.35B | $1.55B | 25.15% | 12.58% | 3.64% |
| Q3 2025 | $1.37B | $1.63B | 24.56% | 12.74% | 3.40% |
| Q4 2025 | $1.38B | $1.62B | 27.08% | 12.40% | 3.84% |
| Q1 2026 | $1.39B | $1.71B | 26.55% | 12.52% | 3.76% |
| Q2 2026 | $1.43B | $1.72B | 24.47% | 11.90% | 3.56% |
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 16216) · FFIEC NIC profile (RSSD 677644)