Farmers State 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 7.41 percentage points in Q2 2026, from 68.62% to 76.02%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Farmers State Bank is 76th of 109 on loan-to-deposit ratio, 76.02% 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 State Bank sits 4.81 points lower, at 76.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.7M |
| Net loans and leases | $145.9M |
| Loans held for sale | $0 |
| Loans to total assets | 63.52% |
| Loan-to-deposit ratio | 76.02% |
| Net loans to equity capital | 6.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.99% |
| Multifamily (5+ residential) | 4.74% |
| Commercial and industrial | 5.93% |
| Consumer | 7.21% |
| Credit cards | 0.00% |
| Farm | 2.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.95% |
| Construction concentration (Tier 1 capital + allowance) | 68.18% |
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 | $2.3M |
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 | $114.4M | $178.7M | 17.08% | 9.67% | 5.36% |
| Q4 2023 | $117.0M | $185.3M | 16.27% | 9.59% | 5.31% |
| Q1 2024 | $116.7M | $185.4M | 15.75% | 9.53% | 5.41% |
| Q2 2024 | $117.2M | $171.8M | 14.87% | 9.27% | 5.63% |
| Q3 2024 | $120.3M | $178.5M | 14.51% | 8.73% | 6.23% |
| Q4 2024 | $123.6M | $195.4M | 13.68% | 8.69% | 5.99% |
| Q1 2025 | $125.5M | $197.2M | 13.98% | 8.26% | 6.16% |
| Q2 2025 | $126.7M | $195.8M | 13.76% | 8.30% | 6.36% |
| Q3 2025 | $133.6M | $208.9M | 15.16% | 7.48% | 7.13% |
| Q4 2025 | $137.5M | $197.6M | 14.73% | 6.84% | 7.19% |
| Q1 2026 | $139.3M | $203.1M | 18.29% | 6.55% | 7.08% |
| Q2 2026 | $147.7M | $194.3M | 16.99% | 5.93% | 7.21% |
Farmers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13775) · FFIEC NIC profile (RSSD 105530)