Farmers & Merchants State 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) dropped 1.43 percentage points in Q2 2026, from 22.28% to 20.86%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers & Merchants State Bank is 168th of 225 on loan-to-deposit ratio, 68.88% as of Q2 2026, below the middle of the field. Farmers & Merchants State Bank reported 68.88% on loan-to-deposit ratio for Q2 2026, 11.96 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.1M |
| Net loans and leases | $164.5M |
| Loans held for sale | $0 |
| Loans to total assets | 61.11% |
| Loan-to-deposit ratio | 68.88% |
| Net loans to equity capital | 6.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.92% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 6.29% |
| Consumer | 4.57% |
| Credit cards | 0.00% |
| Farm | 30.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.47% |
| Construction concentration (Tier 1 capital + allowance) | 20.86% |
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 | 6.13% |
| Interest income on loans | $2.5M |
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 | $136.4M | $193.9M | 8.31% | 6.81% | 6.02% |
| Q4 2023 | $144.7M | $211.9M | 8.26% | 6.22% | 5.92% |
| Q1 2024 | $144.2M | $204.0M | 8.04% | 6.21% | 5.94% |
| Q2 2024 | $148.2M | $209.6M | 8.49% | 6.56% | 5.69% |
| Q3 2024 | $150.1M | $211.7M | 8.17% | 5.84% | 5.65% |
| Q4 2024 | $150.3M | $232.8M | 7.90% | 6.30% | 5.32% |
| Q1 2025 | $153.6M | $230.9M | 7.64% | 6.45% | 5.18% |
| Q2 2025 | $158.4M | $229.6M | 7.43% | 6.27% | 4.98% |
| Q3 2025 | $163.7M | $227.0M | 6.67% | 6.15% | 4.76% |
| Q4 2025 | $164.9M | $238.2M | 6.99% | 5.93% | 4.64% |
| Q1 2026 | $162.6M | $235.7M | 7.07% | 6.01% | 4.64% |
| Q2 2026 | $166.1M | $241.1M | 6.92% | 6.29% | 4.57% |
Farmers & Merchants State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15610) · FFIEC NIC profile (RSSD 145741)