Farmers National 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.
Loan-to-deposit ratio climbed 4.70 percentage points in Q3 2026, from 62.18% to 66.88%. It was the largest change from Q2 2026 among the key lines here. Farmers National Bank ranks 122nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 66.88% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers National Bank sits 14.06 points lower, at 66.88% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $87.5M |
| Net loans and leases | $85.9M |
| Loans held for sale | $0 |
| Loans to total assets | 52.26% |
| Loan-to-deposit ratio | 66.88% |
| Net loans to equity capital | 2.39% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.05% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.34% |
| Consumer | 3.63% |
| Credit cards | 0.00% |
| Farm | 26.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.77% |
| Construction concentration (Tier 1 capital + allowance) | 4.71% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.98% |
| Interest income on loans | $1.5M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $83.8M | $129.1M | 11.78% | 13.87% | 5.22% |
| Q1 2024 | $81.4M | $130.8M | 11.90% | 13.64% | 5.34% |
| Q2 2024 | $86.8M | $128.6M | 11.61% | 13.29% | 4.73% |
| Q3 2024 | $89.5M | $125.4M | 10.89% | 12.38% | 4.44% |
| Q4 2024 | $85.6M | $129.3M | 10.45% | 12.07% | 4.58% |
| Q1 2025 | $84.2M | $134.5M | 10.70% | 14.60% | 4.35% |
| Q2 2025 | $85.1M | $127.2M | 10.46% | 14.15% | 4.15% |
| Q3 2025 | $89.8M | $127.2M | 10.17% | 14.22% | 3.97% |
| Q4 2025 | $88.7M | $133.4M | 10.12% | 13.79% | 3.61% |
| Q1 2026 | $83.3M | $140.8M | 10.52% | 15.12% | 3.61% |
| Q2 2026 | $85.0M | $136.7M | 10.28% | 15.24% | 3.78% |
| Q3 2026 | $87.5M | $130.8M | 9.05% | 15.34% | 3.63% |
Farmers National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4611) · FFIEC NIC profile (RSSD 137559)