Farmers Savings 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 3.88 percentage points in Q2 2026, from 76.67% to 80.55%. It was the largest change from Q1 2026 among the key lines here. Farmers Savings Bank ranks 124th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 80.55% (Q2 2026). At 80.55%, Farmers Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.4M |
| Net loans and leases | $88.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.52% |
| Loan-to-deposit ratio | 80.55% |
| Net loans to equity capital | 5.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.27% |
| Multifamily (5+ residential) | 0.24% |
| Commercial and industrial | 17.91% |
| Consumer | 2.90% |
| Credit cards | 0.00% |
| Farm | 21.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.49% |
| Construction concentration (Tier 1 capital + allowance) | 0.39% |
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 | 6.20% |
| 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 | $72.4M | $102.6M | 8.19% | 19.19% | 2.32% |
| Q4 2023 | $70.8M | $98.5M | 7.35% | 19.90% | 2.30% |
| Q1 2024 | $71.7M | $101.1M | 7.26% | 19.36% | 2.45% |
| Q2 2024 | $76.9M | $101.8M | 12.11% | 19.89% | 2.81% |
| Q3 2024 | $79.0M | $100.2M | 11.24% | 19.48% | 2.75% |
| Q4 2024 | $89.0M | $104.2M | 11.78% | 18.16% | 2.49% |
| Q1 2025 | $88.4M | $111.2M | 12.01% | 19.06% | 2.57% |
| Q2 2025 | $86.5M | $111.2M | 13.96% | 18.27% | 2.58% |
| Q3 2025 | $89.1M | $106.8M | 13.82% | 19.56% | 2.94% |
| Q4 2025 | $89.3M | $112.7M | 16.04% | 18.67% | 2.77% |
| Q1 2026 | $86.6M | $112.9M | 15.71% | 18.65% | 2.77% |
| Q2 2026 | $89.4M | $111.0M | 15.27% | 17.91% | 2.90% |
Farmers Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10500) · FFIEC NIC profile (RSSD 380346)