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.
Cre concentration (tier 1 capital + allowance) climbed 5.23 percentage points in Q2 2026, from 97.66% to 102.90%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank & Trust ranks 169th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 68.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers & Merchants Bank & Trust sits 12.04 points lower, at 68.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.7M |
| Net loans and leases | $126.7M |
| Loans held for sale | $0 |
| Loans to total assets | 61.80% |
| Loan-to-deposit ratio | 68.80% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.60% |
| Multifamily (5+ residential) | 4.99% |
| Commercial and industrial | 7.37% |
| Consumer | 2.32% |
| Credit cards | 0.00% |
| Farm | 14.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.90% |
| Construction concentration (Tier 1 capital + allowance) | 3.37% |
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 | — |
| Interest income on loans | $1.8M |
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 | $122.3M | $213.3M | 15.83% | 9.22% | 2.90% |
| Q4 2023 | $122.2M | $207.3M | 15.26% | 9.36% | 2.82% |
| Q1 2024 | $121.1M | $215.1M | 15.24% | 8.47% | 2.85% |
| Q2 2024 | $121.5M | $202.9M | 15.00% | 8.72% | 2.92% |
| Q3 2024 | $120.8M | $202.8M | 14.80% | 8.16% | 2.87% |
| Q4 2024 | $120.5M | $184.0M | 14.01% | 7.98% | 2.85% |
| Q1 2025 | $119.3M | $192.4M | 13.71% | 7.95% | 2.84% |
| Q2 2025 | $123.2M | $189.0M | 12.81% | 7.61% | 2.74% |
| Q3 2025 | $124.5M | $184.9M | 14.14% | 7.22% | 2.72% |
| Q4 2025 | $126.0M | $180.7M | 13.98% | 7.34% | 3.16% |
| Q1 2026 | $125.4M | $187.0M | 13.77% | 7.21% | 2.51% |
| Q2 2026 | $128.7M | $187.0M | 14.60% | 7.37% | 2.32% |
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 13737) · FFIEC NIC profile (RSSD 888141)