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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.13 percentage points higher than in Q1 2026, at 94.72%. Within Iowa, Farmers & Merchants Savings Bank is 79th of 225 on loan-to-deposit ratio, 89.37% as of Q2 2026, above 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 Savings Bank sits 8.53 points higher, at 89.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $461.2M |
| Net loans and leases | $451.6M |
| Loans held for sale | $325K |
| Loans to total assets | 74.77% |
| Loan-to-deposit ratio | 89.37% |
| Net loans to equity capital | 6.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.27% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 43.31% |
| Consumer | 0.43% |
| Credit cards | 0.23% |
| Farm | 5.27% |
| Loans to depository institutions | 0.43% |
| State and political subdivisions | 1.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 94.72% |
| Construction concentration (Tier 1 capital + allowance) | 37.16% |
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 | 6.85% |
| Interest income on loans | $7.7M |
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 | $411.4M | $508.1M | 21.70% | 37.16% | 0.76% |
| Q4 2023 | $425.9M | $524.2M | 21.35% | 39.18% | 0.74% |
| Q1 2024 | $414.4M | $539.2M | 21.96% | 37.35% | 0.67% |
| Q2 2024 | $417.0M | $500.8M | 21.41% | 40.51% | 0.70% |
| Q3 2024 | $412.2M | $550.0M | 22.66% | 39.78% | 0.70% |
| Q4 2024 | $424.7M | $513.6M | 24.10% | 39.88% | 0.60% |
| Q1 2025 | $421.2M | $510.9M | 23.95% | 40.01% | 0.59% |
| Q2 2025 | $403.6M | $514.2M | 23.00% | 40.58% | 0.64% |
| Q3 2025 | $415.5M | $544.2M | 23.75% | 41.56% | 0.52% |
| Q4 2025 | $434.8M | $514.0M | 21.63% | 42.77% | 0.50% |
| Q1 2026 | $436.5M | $514.7M | 21.37% | 41.90% | 0.48% |
| Q2 2026 | $461.2M | $516.0M | 22.27% | 43.31% | 0.43% |
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 9298) · FFIEC NIC profile (RSSD 863746)