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: 4.56 percentage points higher than in Q1 2026, at 78.57%. Within Ohio, Farmers State Bank is 92nd of 156 on loan-to-deposit ratio, 78.57% as of Q2 2026, below the middle of the field. At 78.57%, Farmers State Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.1M |
| Net loans and leases | $126.7M |
| Loans held for sale | $0 |
| Loans to total assets | 68.31% |
| Loan-to-deposit ratio | 78.57% |
| Net loans to equity capital | 9.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.45% |
| Multifamily (5+ residential) | 1.50% |
| Commercial and industrial | 16.90% |
| Consumer | 5.15% |
| Credit cards | 0.00% |
| Farm | 12.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.71% |
| Construction concentration (Tier 1 capital + allowance) | 6.97% |
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 | 6.17% |
| Interest income on loans | $2.0M |
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 | $113.5M | $164.9M | 17.70% | 18.90% | 3.76% |
| Q4 2023 | $116.2M | $162.1M | 19.00% | 19.97% | 3.56% |
| Q1 2024 | $116.9M | $157.5M | 19.51% | 20.39% | 3.47% |
| Q2 2024 | $120.6M | $159.0M | 19.20% | 21.97% | 3.27% |
| Q3 2024 | $120.5M | $165.7M | 18.90% | 20.01% | 3.16% |
| Q4 2024 | $115.6M | $171.0M | 19.70% | 16.86% | 2.97% |
| Q1 2025 | $117.1M | $166.2M | 19.93% | 16.12% | 3.65% |
| Q2 2025 | $121.7M | $169.4M | 19.36% | 17.68% | 3.50% |
| Q3 2025 | $122.9M | $166.3M | 18.71% | 15.86% | 3.34% |
| Q4 2025 | $123.5M | $172.5M | 18.15% | 15.57% | 5.36% |
| Q1 2026 | $125.7M | $169.8M | 17.73% | 16.63% | 4.33% |
| Q2 2026 | $128.1M | $163.0M | 17.45% | 16.90% | 5.15% |
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 8647) · FFIEC NIC profile (RSSD 327220)