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 Loan-to-deposit ratio: 4.33 percentage points higher than in Q1 2026, at 61.57%. Farmers State Bank ranks 135th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 61.57% (Q2 2026). Farmers State Bank reported 61.57% on loan-to-deposit ratio for Q2 2026, 6.36 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.4M |
| Net loans and leases | $45.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.97% |
| Loan-to-deposit ratio | 61.57% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.06% |
| Multifamily (5+ residential) | 0.71% |
| Commercial and industrial | 17.98% |
| Consumer | 7.74% |
| Credit cards | 0.00% |
| Farm | 12.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.97% |
| Construction concentration (Tier 1 capital + allowance) | 12.46% |
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 | 6.92% |
| Interest income on loans | $803K |
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 | $38.1M | $68.7M | 7.43% | 16.26% | 10.57% |
| Q4 2023 | $38.7M | $71.2M | 8.26% | 15.95% | 10.39% |
| Q1 2024 | $39.8M | $72.2M | 8.48% | 16.13% | 9.69% |
| Q2 2024 | $40.6M | $72.4M | 8.45% | 17.23% | 9.82% |
| Q3 2024 | $42.0M | $69.0M | 8.04% | 17.50% | 10.19% |
| Q4 2024 | $41.7M | $74.3M | 10.19% | 14.66% | 10.18% |
| Q1 2025 | $42.5M | $73.6M | 9.91% | 14.59% | 9.91% |
| Q2 2025 | $44.0M | $72.8M | 9.26% | 14.58% | 9.48% |
| Q3 2025 | $43.6M | $70.2M | 9.09% | 14.24% | 9.87% |
| Q4 2025 | $44.8M | $73.7M | 8.75% | 15.42% | 9.08% |
| Q1 2026 | $45.5M | $79.6M | 8.42% | 17.48% | 8.34% |
| Q2 2026 | $47.4M | $77.0M | 8.06% | 17.98% | 7.74% |
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 16941) · FFIEC NIC profile (RSSD 72351)