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.
Loan-to-deposit ratio climbed 8.30 percentage points in Q2 2026, from 81.53% to 89.83%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank is 61st of 323 on loan-to-deposit ratio, 89.83% as of Q2 2026, above the middle of the field. Farmers State Bank reported 89.83% on loan-to-deposit ratio for Q2 2026, 8.99 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $256.7M |
| Net loans and leases | $254.2M |
| Loans held for sale | $23K |
| Loans to total assets | 75.54% |
| Loan-to-deposit ratio | 89.83% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.78% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.01% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 54.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.11% |
| Construction concentration (Tier 1 capital + allowance) | 11.18% |
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 | 6.61% |
| Interest income on loans | $4.2M |
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 | $223.7M | $266.6M | 19.83% | 4.21% | 1.00% |
| Q4 2023 | $235.9M | $273.8M | 19.59% | 3.92% | 0.90% |
| Q1 2024 | $230.3M | $276.5M | 19.95% | 3.93% | 0.85% |
| Q2 2024 | $231.8M | $269.6M | 18.49% | 3.80% | 0.80% |
| Q3 2024 | $235.8M | $269.6M | 18.16% | 3.62% | 0.74% |
| Q4 2024 | $246.4M | $275.9M | 17.31% | 3.31% | 0.65% |
| Q1 2025 | $236.9M | $283.8M | 16.34% | 3.44% | 0.59% |
| Q2 2025 | $244.4M | $279.6M | 18.85% | 3.12% | 0.58% |
| Q3 2025 | $251.3M | $270.8M | 23.33% | 2.94% | 0.59% |
| Q4 2025 | $255.9M | $287.8M | 22.28% | 2.72% | 0.57% |
| Q1 2026 | $248.5M | $304.8M | 22.72% | 3.00% | 0.53% |
| Q2 2026 | $256.7M | $285.8M | 21.78% | 3.01% | 0.42% |
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 11307) · FFIEC NIC profile (RSSD 477648)