Farmers & Merchants Savings 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 3.52 percentage points in Q2 2026, from 117.36% to 120.88%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers & Merchants Savings Bank is 135th of 225 on loan-to-deposit ratio, 77.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers & Merchants Savings Bank sits 3.58 points lower, at 77.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.5M |
| Net loans and leases | $78.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.87% |
| Loan-to-deposit ratio | 77.36% |
| Net loans to equity capital | 4.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.18% |
| Multifamily (5+ residential) | 5.35% |
| Commercial and industrial | 11.98% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 12.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.88% |
| Construction concentration (Tier 1 capital + allowance) | 13.21% |
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 | 5.88% |
| Interest income on loans | $1.2M |
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 | $66.9M | $69.9M | 30.40% | 12.43% | 1.63% |
| Q4 2023 | $81.3M | $100.4M | 26.09% | 14.69% | 1.67% |
| Q1 2024 | $82.2M | $104.1M | 25.67% | 15.12% | 1.52% |
| Q2 2024 | $81.3M | $103.4M | 25.32% | 14.99% | 1.59% |
| Q3 2024 | $81.0M | $100.3M | 24.50% | 15.15% | 1.33% |
| Q4 2024 | $82.0M | $105.0M | 24.04% | 14.04% | 1.20% |
| Q1 2025 | $79.9M | $103.3M | 24.12% | 13.99% | 1.17% |
| Q2 2025 | $78.8M | $100.6M | 23.79% | 15.23% | 1.15% |
| Q3 2025 | $76.5M | $100.0M | 21.42% | 15.29% | 1.12% |
| Q4 2025 | $79.2M | $101.7M | 20.93% | 14.61% | 0.92% |
| Q1 2026 | $80.4M | $104.4M | 20.29% | 13.03% | 1.01% |
| Q2 2026 | $79.5M | $102.7M | 22.18% | 11.98% | 0.96% |
Farmers & Merchants Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Savings 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 Farmers & Merchants Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10492) · FFIEC NIC profile (RSSD 673244)