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.
The standout move of Q2 2026 was in Loans to total assets: 1.15 percentage points higher than in Q1 2026, at 56.56%. Farmers National Bank ranks 131st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 79.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Farmers National Bank reported 79.51% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $506.6M |
| Net loans and leases | $490.3M |
| Loans held for sale | $161K |
| Loans to total assets | 56.56% |
| Loan-to-deposit ratio | 79.51% |
| Net loans to equity capital | 3.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.50% |
| Multifamily (5+ residential) | 0.30% |
| Commercial and industrial | 6.50% |
| Consumer | 0.94% |
| Credit cards | 0.00% |
| Farm | 51.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.99% |
| Construction concentration (Tier 1 capital + allowance) | 0.63% |
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 | 6.00% |
| Interest income on loans | $7.6M |
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 | $403.6M | $589.7M | 5.93% | 4.40% | 1.33% |
| Q4 2023 | $439.0M | $591.7M | 5.13% | 5.14% | 1.09% |
| Q1 2024 | $438.9M | $594.8M | 5.10% | 4.29% | 1.04% |
| Q2 2024 | $439.4M | $590.8M | 4.84% | 5.04% | 1.01% |
| Q3 2024 | $447.3M | $589.7M | 4.76% | 4.85% | 1.16% |
| Q4 2024 | $499.8M | $623.4M | 4.46% | 4.97% | 0.89% |
| Q1 2025 | $492.5M | $628.5M | 4.51% | 5.16% | 0.89% |
| Q2 2025 | $485.9M | $630.3M | 4.56% | 5.19% | 0.90% |
| Q3 2025 | $495.2M | $610.7M | 4.72% | 5.14% | 0.88% |
| Q4 2025 | $515.5M | $617.8M | 4.55% | 5.97% | 0.82% |
| Q1 2026 | $506.5M | $638.8M | 4.54% | 6.23% | 0.82% |
| Q2 2026 | $506.6M | $637.2M | 4.50% | 6.50% | 0.94% |
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 3732) · FFIEC NIC profile (RSSD 933041)