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 CRE concentration (Tier 1 capital + allowance): 6.32 percentage points lower than in Q1 2026, at 3.98%. Farmers State Bank has the 1st lowest loan-to-deposit ratio of the 29 banks headquartered in Washington, at 8.49% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Farmers State Bank reported 8.49% on loan-to-deposit ratio in Q2 2026, 59.14 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.5M |
| Net loans and leases | $3.3M |
| Loans held for sale | $0 |
| Loans to total assets | 7.41% |
| Loan-to-deposit ratio | 8.49% |
| Net loans to equity capital | 0.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 27.01% |
| Consumer | 13.11% |
| Credit cards | 0.00% |
| Farm | 5.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.98% |
| Construction concentration (Tier 1 capital + allowance) | 1.08% |
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 | 7.00% |
| Interest income on loans | $62K |
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 | $4.0M | $49.5M | 29.39% | 31.70% | 12.92% |
| Q4 2023 | $4.0M | $49.7M | 35.14% | 29.52% | 12.23% |
| Q1 2024 | $3.7M | $50.1M | 30.44% | 28.64% | 15.31% |
| Q2 2024 | $3.9M | $47.6M | 28.96% | 27.67% | 15.98% |
| Q3 2024 | $4.0M | $48.6M | 26.87% | 27.42% | 13.93% |
| Q4 2024 | $3.8M | $47.2M | 27.64% | 27.38% | 13.64% |
| Q1 2025 | $3.7M | $44.8M | 28.11% | 25.16% | 13.66% |
| Q2 2025 | $3.7M | $43.7M | 27.70% | 28.96% | 12.73% |
| Q3 2025 | $3.7M | $45.0M | 27.08% | 28.59% | 14.43% |
| Q4 2025 | $3.8M | $44.4M | 35.48% | 23.30% | 13.91% |
| Q1 2026 | $3.6M | $44.7M | 36.78% | 24.28% | 14.32% |
| Q2 2026 | $3.5M | $41.4M | 36.67% | 27.01% | 13.11% |
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 6156) · FFIEC NIC profile (RSSD 694771)