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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.54 percentage points lower than in Q1 2026, at 69.75%. Farmers State Bank ranks 57th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 78.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers State Bank sits 9.76 points lower, at 78.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $910.6M |
| Net loans and leases | $902.1M |
| Loans held for sale | $0 |
| Loans to total assets | 69.25% |
| Loan-to-deposit ratio | 78.44% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.49% |
| Multifamily (5+ residential) | 1.25% |
| Commercial and industrial | 5.25% |
| Consumer | 1.91% |
| Credit cards | 0.00% |
| Farm | 18.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.75% |
| Construction concentration (Tier 1 capital + allowance) | 28.96% |
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 | 6.26% |
| Interest income on loans | $14.1M |
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 | $774.9M | $1.03B | 13.14% | 5.87% | 2.53% |
| Q4 2023 | $794.9M | $1.05B | 12.78% | 5.62% | 2.36% |
| Q1 2024 | $788.4M | $1.03B | 13.96% | 5.92% | 2.33% |
| Q2 2024 | $802.2M | $1.09B | 13.95% | 6.01% | 2.25% |
| Q3 2024 | $805.6M | $1.06B | 14.10% | 5.42% | 2.21% |
| Q4 2024 | $829.2M | $1.10B | 13.79% | 5.49% | 2.16% |
| Q1 2025 | $838.0M | $1.10B | 13.62% | 6.00% | 2.23% |
| Q2 2025 | $837.5M | $1.16B | 14.47% | 6.18% | 2.29% |
| Q3 2025 | $852.0M | $1.12B | 15.06% | 5.48% | 2.20% |
| Q4 2025 | $886.9M | $1.13B | 14.43% | 5.46% | 1.99% |
| Q1 2026 | $894.8M | $1.11B | 15.40% | 5.11% | 2.01% |
| Q2 2026 | $910.6M | $1.16B | 14.49% | 5.25% | 1.91% |
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 14578) · FFIEC NIC profile (RSSD 113441)