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.
Cre concentration (tier 1 capital + allowance) climbed 1.88 percentage points in Q2 2026, from 31.40% to 33.28%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Savings Bank is 161st of 225 on loan-to-deposit ratio, 70.66% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Savings Bank sits 10.18 points lower, at 70.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $183.8M |
| Net loans and leases | $179.9M |
| Loans held for sale | $0 |
| Loans to total assets | 61.47% |
| Loan-to-deposit ratio | 70.66% |
| Net loans to equity capital | 6.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.44% |
| Consumer | 3.15% |
| Credit cards | 0.00% |
| Farm | 35.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.28% |
| Construction concentration (Tier 1 capital + allowance) | 10.90% |
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 | 6.62% |
| Interest income on loans | $3.0M |
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 | $134.8M | $208.4M | 10.07% | 9.29% | 3.98% |
| Q4 2023 | $138.3M | $220.9M | 9.54% | 11.18% | 3.78% |
| Q1 2024 | $138.7M | $200.8M | 6.84% | 11.15% | 3.73% |
| Q2 2024 | $138.5M | $201.0M | 7.23% | 10.67% | 3.73% |
| Q3 2024 | $137.2M | $203.9M | 7.51% | 10.99% | 3.84% |
| Q4 2024 | $141.9M | $209.6M | 8.16% | 11.78% | 3.72% |
| Q1 2025 | $170.1M | $240.6M | 7.62% | 13.34% | 3.65% |
| Q2 2025 | $169.6M | $245.7M | 7.63% | 12.53% | 3.65% |
| Q3 2025 | $170.6M | $250.2M | 7.56% | 12.96% | 3.83% |
| Q4 2025 | $175.6M | $259.7M | 7.61% | 13.51% | 3.37% |
| Q1 2026 | $177.2M | $251.5M | 7.78% | 14.22% | 3.20% |
| Q2 2026 | $183.8M | $260.2M | 7.80% | 15.44% | 3.15% |
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 14807) · FFIEC NIC profile (RSSD 774347)