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 9.16 percentage points in Q2 2026, from 56.29% to 65.45%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers State Bank is 127th of 182 on loan-to-deposit ratio, 65.45% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers State Bank sits 2.17 points lower, at 65.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.9M |
| Net loans and leases | $13.7M |
| Loans held for sale | $0 |
| Loans to total assets | 52.08% |
| Loan-to-deposit ratio | 65.45% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.33% |
| Consumer | 7.83% |
| Credit cards | 0.00% |
| Farm | 38.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| 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 | 6.70% |
| Interest income on loans | $220K |
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 | $12.4M | $21.9M | 0.31% | 4.51% | 8.43% |
| Q4 2023 | $13.1M | $20.9M | 0.29% | 4.16% | 7.84% |
| Q1 2024 | $12.3M | $22.5M | 0.29% | 4.53% | 7.90% |
| Q2 2024 | $12.3M | $21.2M | 0.28% | 5.04% | 8.36% |
| Q3 2024 | $12.7M | $20.4M | 0.25% | 5.14% | 8.34% |
| Q4 2024 | $13.6M | $19.8M | 0.22% | 5.16% | 7.59% |
| Q1 2025 | $12.2M | $20.6M | 0.13% | 5.61% | 9.21% |
| Q2 2025 | $12.8M | $22.5M | 0.12% | 5.60% | 9.48% |
| Q3 2025 | $13.3M | $19.8M | 0.00% | 5.53% | 9.47% |
| Q4 2025 | $14.0M | $23.6M | 0.00% | 4.23% | 9.28% |
| Q1 2026 | $12.4M | $22.0M | 0.00% | 6.47% | 9.87% |
| Q2 2026 | $13.9M | $21.2M | 0.00% | 5.33% | 7.83% |
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 15853) · FFIEC NIC profile (RSSD 652959)