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.
Cre concentration (tier 1 capital + allowance) dropped 3.70 percentage points in Q2 2026, from 150.12% to 146.43%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 19th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 92.57% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank sits 11.74 points higher, at 92.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $124.3M |
| Net loans and leases | $121.3M |
| Loans held for sale | $0 |
| Loans to total assets | 79.59% |
| Loan-to-deposit ratio | 92.57% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.23% |
| Consumer | 7.75% |
| Credit cards | 0.00% |
| Farm | 9.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.43% |
| Construction concentration (Tier 1 capital + allowance) | 27.64% |
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 | 7.14% |
| Interest income on loans | $2.2M |
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 | $114.9M | $127.4M | 37.80% | 9.41% | 8.41% |
| Q4 2023 | $118.7M | $121.5M | 38.38% | 8.54% | 8.25% |
| Q1 2024 | $121.0M | $131.2M | 38.51% | 8.21% | 8.01% |
| Q2 2024 | $120.4M | $128.8M | 37.89% | 7.33% | 9.12% |
| Q3 2024 | $121.1M | $128.7M | 38.98% | 7.57% | 8.02% |
| Q4 2024 | $121.6M | $131.5M | 40.79% | 7.44% | 7.74% |
| Q1 2025 | $118.0M | $131.9M | 41.90% | 7.46% | 8.23% |
| Q2 2025 | $119.5M | $134.0M | 41.33% | 7.56% | 8.49% |
| Q3 2025 | $120.3M | $135.4M | 40.46% | 7.27% | 8.02% |
| Q4 2025 | $120.1M | $131.3M | 42.55% | 7.57% | 8.03% |
| Q1 2026 | $123.3M | $137.7M | 43.47% | 7.35% | 8.09% |
| Q2 2026 | $124.3M | $134.3M | 42.83% | 7.23% | 7.75% |
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 19720) · FFIEC NIC profile (RSSD 113030)