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 Construction concentration (Tier 1 capital + allowance): 4.51 percentage points higher than in Q1 2026, at 52.70%. Farmers State Bank ranks 271st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 52.59% (Q2 2026). Farmers State Bank reported 52.59% on loan-to-deposit ratio for Q2 2026, 28.24 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.0M |
| Net loans and leases | $91.8M |
| Loans held for sale | $0 |
| Loans to total assets | 47.43% |
| Loan-to-deposit ratio | 52.59% |
| Net loans to equity capital | 5.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.06% |
| Multifamily (5+ residential) | 0.48% |
| Commercial and industrial | 8.89% |
| Consumer | 6.01% |
| Credit cards | 0.00% |
| Farm | 16.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.21% |
| Construction concentration (Tier 1 capital + allowance) | 52.70% |
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 | 6.97% |
| Interest income on loans | $1.5M |
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 | $97.3M | $175.9M | 23.91% | 8.07% | 6.91% |
| Q4 2023 | $101.1M | $168.6M | 27.26% | 8.61% | 7.04% |
| Q1 2024 | $116.1M | $160.5M | 28.28% | 9.20% | 5.92% |
| Q2 2024 | $112.0M | $165.3M | 29.04% | 7.06% | 5.91% |
| Q3 2024 | $105.3M | $162.1M | 30.51% | 8.43% | 5.91% |
| Q4 2024 | $107.1M | $161.8M | 30.55% | 10.95% | 5.84% |
| Q1 2025 | $108.7M | $163.6M | 27.95% | 9.66% | 5.54% |
| Q2 2025 | $111.3M | $165.3M | 27.56% | 10.00% | 5.02% |
| Q3 2025 | $106.3M | $170.0M | 30.70% | 10.46% | 5.34% |
| Q4 2025 | $95.0M | $161.4M | 28.45% | 7.16% | 6.38% |
| Q1 2026 | $89.5M | $176.2M | 23.64% | 7.75% | 6.48% |
| Q2 2026 | $93.0M | $176.8M | 23.06% | 8.89% | 6.01% |
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 15367) · FFIEC NIC profile (RSSD 461058)