The 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.
Cre concentration (tier 1 capital + allowance) dropped 9.64 percentage points in Q2 2026, from 241.32% to 231.69%. It was the largest change from Q1 2026 among the key lines here. The Farmers & Merchants State Bank ranks 35th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 94.24% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Farmers & Merchants State Bank sits 6.03 points higher, at 94.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.71B |
| Net loans and leases | $2.68B |
| Loans held for sale | $3.0M |
| Loans to total assets | 77.58% |
| Loan-to-deposit ratio | 94.24% |
| Net loans to equity capital | 6.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.40% |
| Multifamily (5+ residential) | 5.58% |
| Commercial and industrial | 12.46% |
| Consumer | 1.85% |
| Credit cards | 0.00% |
| Farm | 7.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 231.69% |
| Construction concentration (Tier 1 capital + allowance) | 30.33% |
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 | 6.07% |
| Interest income on loans | $40.8M |
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 | $2.53B | $2.58B | 38.43% | 9.91% | 3.27% |
| Q4 2023 | $2.58B | $2.61B | 40.35% | 9.87% | 3.07% |
| Q1 2024 | $2.54B | $2.63B | 41.25% | 10.06% | 2.92% |
| Q2 2024 | $2.56B | $2.65B | 40.76% | 10.48% | 2.72% |
| Q3 2024 | $2.54B | $2.69B | 41.20% | 10.27% | 2.64% |
| Q4 2024 | $2.56B | $2.69B | 40.20% | 10.72% | 2.44% |
| Q1 2025 | $2.58B | $2.70B | 42.00% | 10.77% | 2.31% |
| Q2 2025 | $2.63B | $2.71B | 42.26% | 11.16% | 2.24% |
| Q3 2025 | $2.66B | $2.76B | 42.36% | 11.12% | 2.25% |
| Q4 2025 | $2.72B | $2.74B | 40.77% | 11.57% | 2.15% |
| Q1 2026 | $2.69B | $2.82B | 39.81% | 11.50% | 2.04% |
| Q2 2026 | $2.71B | $2.87B | 39.40% | 12.46% | 1.85% |
The Farmers & Merchants State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers & Merchants State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5969) · FFIEC NIC profile (RSSD 214414)