Farmers & Merchants Bank & Trust: 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 12.26 percentage points in Q2 2026, from 42.41% to 54.68%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Farmers & Merchants Bank & Trust is 97th of 153 on loan-to-deposit ratio, 83.58% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers & Merchants Bank & Trust sits 2.75 points higher, at 83.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $124.9M |
| Net loans and leases | $123.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.33% |
| Loan-to-deposit ratio | 83.58% |
| Net loans to equity capital | 7.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.34% |
| Multifamily (5+ residential) | 2.28% |
| Commercial and industrial | 16.32% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 1.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 90.60% |
| Construction concentration (Tier 1 capital + allowance) | 54.68% |
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 | $2.1M |
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 | $109.7M | $140.2M | 29.44% | 17.20% | 1.62% |
| Q4 2023 | $110.2M | $142.2M | 29.80% | 16.54% | 1.51% |
| Q1 2024 | $112.3M | $141.7M | 30.30% | 16.90% | 1.39% |
| Q2 2024 | $115.8M | $137.2M | 29.58% | 17.28% | 1.31% |
| Q3 2024 | $114.3M | $140.3M | 32.24% | 14.63% | 1.20% |
| Q4 2024 | $114.2M | $145.9M | 32.59% | 14.35% | 1.09% |
| Q1 2025 | $114.2M | $141.9M | 33.66% | 14.29% | 0.98% |
| Q2 2025 | $116.9M | $141.8M | 33.36% | 14.84% | 0.90% |
| Q3 2025 | $112.8M | $143.8M | 34.26% | 14.27% | 0.87% |
| Q4 2025 | $119.2M | $146.5M | 34.39% | 14.55% | 0.75% |
| Q1 2026 | $120.6M | $146.6M | 33.94% | 15.51% | 0.66% |
| Q2 2026 | $124.9M | $149.4M | 32.34% | 16.32% | 0.59% |
Farmers & Merchants Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)