Farmers & Merchants State Bank of Springfield: 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.
Loans to total assets dropped 1.11 percentage points in Q2 2026, from 64.74% to 63.63%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants State Bank of Springfield ranks 140th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers & Merchants State Bank of Springfield sits 7.23 points lower, at 73.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.9M |
| Net loans and leases | $87.4M |
| Loans held for sale | $0 |
| Loans to total assets | 63.63% |
| Loan-to-deposit ratio | 73.71% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.29% |
| Consumer | 1.53% |
| Credit cards | 0.00% |
| Farm | 38.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.96% |
| Construction concentration (Tier 1 capital + allowance) | 0.83% |
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 | 6.22% |
| Interest income on loans | $1.4M |
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 | $80.5M | $116.9M | 2.56% | 10.25% | 1.69% |
| Q4 2023 | $86.2M | $124.9M | 2.29% | 8.40% | 1.77% |
| Q1 2024 | $86.5M | $122.7M | 2.20% | 8.48% | 1.68% |
| Q2 2024 | $84.1M | $119.2M | 2.49% | 8.68% | 2.18% |
| Q3 2024 | $89.4M | $122.1M | 2.26% | 7.65% | 1.92% |
| Q4 2024 | $95.4M | $121.2M | 2.24% | 6.49% | 1.80% |
| Q1 2025 | $98.2M | $119.2M | 2.54% | 7.40% | 1.59% |
| Q2 2025 | $93.9M | $113.5M | 2.60% | 7.82% | 1.53% |
| Q3 2025 | $88.0M | $116.0M | 2.65% | 7.27% | 1.67% |
| Q4 2025 | $92.3M | $121.5M | 2.46% | 6.35% | 1.60% |
| Q1 2026 | $91.6M | $122.5M | 2.88% | 6.30% | 1.49% |
| Q2 2026 | $88.9M | $120.7M | 2.91% | 6.29% | 1.53% |
Farmers & Merchants State Bank of Springfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of Springfield, 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 of Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13382) · FFIEC NIC profile (RSSD 770451)