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 Loan-to-deposit ratio: 3.17 percentage points higher than in Q1 2026, at 59.25%. Farmers State Bank ranks 43rd of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 59.25% (Q2 2026). Farmers State Bank reported 59.25% on loan-to-deposit ratio for Q2 2026, 21.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.7M |
| Net loans and leases | $139.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.21% |
| Loan-to-deposit ratio | 59.25% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.57% |
| Consumer | 5.85% |
| Credit cards | 0.00% |
| Farm | 40.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.19% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.07% |
| Interest income on loans | $2.5M |
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 | $116.6M | $237.5M | 15.39% | 8.11% | 6.90% |
| Q4 2023 | $125.9M | $241.8M | 15.07% | 9.03% | 7.64% |
| Q1 2024 | $124.7M | $236.8M | 15.20% | 11.74% | 8.10% |
| Q2 2024 | $128.2M | $226.5M | 14.72% | 12.89% | 7.45% |
| Q3 2024 | $128.8M | $222.7M | 13.51% | 13.42% | 7.48% |
| Q4 2024 | $133.3M | $228.6M | 12.89% | 12.48% | 6.11% |
| Q1 2025 | $126.1M | $238.0M | 14.28% | 11.53% | 6.71% |
| Q2 2025 | $131.2M | $231.7M | 13.39% | 11.15% | 6.85% |
| Q3 2025 | $132.9M | $234.2M | 13.71% | 10.50% | 6.48% |
| Q4 2025 | $140.2M | $233.3M | 13.12% | 10.92% | 5.93% |
| Q1 2026 | $135.7M | $242.1M | 13.61% | 11.27% | 5.88% |
| Q2 2026 | $140.7M | $237.4M | 13.87% | 10.57% | 5.85% |
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 1686) · FFIEC NIC profile (RSSD 120953)