Farmers Savings Bank & Trust: 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 Loan-to-deposit ratio: 5.31 percentage points higher than in Q1 2026, at 59.73%. Farmers Savings Bank & Trust ranks 193rd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 59.73% (Q2 2026). Farmers Savings Bank & Trust reported 59.73% on loan-to-deposit ratio for Q2 2026, 21.11 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $114.8M |
| Net loans and leases | $114.1M |
| Loans held for sale | $0 |
| Loans to total assets | 53.96% |
| Loan-to-deposit ratio | 59.73% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.84% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.04% |
| Consumer | 1.89% |
| Credit cards | 0.33% |
| Farm | 33.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.92% |
| Construction concentration (Tier 1 capital + allowance) | 6.72% |
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 | — |
| Interest income on loans | $1.9M |
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 | $98.7M | $196.1M | 15.53% | 7.10% | 2.44% |
| Q4 2023 | $103.0M | $181.8M | 14.60% | 6.69% | 2.50% |
| Q1 2024 | $101.9M | $197.1M | 14.06% | 6.73% | 2.57% |
| Q2 2024 | $101.8M | $179.7M | 13.33% | 7.26% | 2.88% |
| Q3 2024 | $105.1M | $197.3M | 12.75% | 6.77% | 2.79% |
| Q4 2024 | $111.4M | $186.9M | 11.83% | 6.09% | 2.75% |
| Q1 2025 | $109.5M | $212.1M | 12.35% | 7.14% | 2.07% |
| Q2 2025 | $108.0M | $198.9M | 12.26% | 9.07% | 2.18% |
| Q3 2025 | $111.7M | $208.8M | 12.60% | 8.96% | 2.15% |
| Q4 2025 | $115.4M | $192.6M | 13.20% | 6.85% | 2.23% |
| Q1 2026 | $115.5M | $212.3M | 13.13% | 7.17% | 1.99% |
| Q2 2026 | $114.8M | $192.2M | 12.84% | 7.04% | 1.89% |
Farmers Savings Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Savings Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10122) · FFIEC NIC profile (RSSD 368344)