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): 2.50 percentage points higher than in Q1 2026, at 6.07%. Farmers State Bank ranks 134th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 62.29% (Q2 2026). Farmers State Bank reported 62.29% on loan-to-deposit ratio for Q2 2026, 5.33 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $22.5M |
| Net loans and leases | $22.2M |
| Loans held for sale | $0 |
| Loans to total assets | 52.68% |
| Loan-to-deposit ratio | 62.29% |
| Net loans to equity capital | 5.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.40% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.78% |
| Consumer | 12.05% |
| Credit cards | 0.00% |
| Farm | 29.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.33% |
| Construction concentration (Tier 1 capital + allowance) | 6.07% |
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 | 6.75% |
| Interest income on loans | $384K |
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 | $21.7M | $29.0M | 9.99% | 8.71% | 7.28% |
| Q4 2023 | $21.0M | $28.0M | 10.15% | 8.41% | 7.57% |
| Q1 2024 | $20.7M | $29.2M | 9.21% | 9.22% | 7.54% |
| Q2 2024 | $22.0M | $29.0M | 8.60% | 9.37% | 7.39% |
| Q3 2024 | $22.2M | $30.4M | 6.97% | 10.49% | 7.45% |
| Q4 2024 | $22.0M | $30.5M | 7.20% | 9.93% | 7.74% |
| Q1 2025 | $21.6M | $32.4M | 7.34% | 9.21% | 7.55% |
| Q2 2025 | $22.9M | $31.9M | 4.68% | 8.24% | 8.59% |
| Q3 2025 | $23.6M | $33.7M | 4.60% | 8.73% | 9.13% |
| Q4 2025 | $22.0M | $33.3M | 4.91% | 8.80% | 10.54% |
| Q1 2026 | $22.1M | $35.0M | 4.83% | 8.36% | 11.14% |
| Q2 2026 | $22.5M | $36.2M | 5.40% | 7.78% | 12.05% |
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 14344) · FFIEC NIC profile (RSSD 603559)