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 3.07 percentage points in Q2 2026, from 37.36% to 40.43%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank has the 10th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 40.43% as of Q2 2026. Farmers State Bank reported 40.43% on loan-to-deposit ratio for Q2 2026, 27.20 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.7M |
| Net loans and leases | $12.3M |
| Loans held for sale | $0 |
| Loans to total assets | 34.70% |
| Loan-to-deposit ratio | 40.43% |
| Net loans to equity capital | 2.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 32.98% |
| Consumer | 10.61% |
| Credit cards | 0.00% |
| Farm | 9.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.62% |
| Construction concentration (Tier 1 capital + allowance) | 3.64% |
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 | 6.58% |
| Interest income on loans | $206K |
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 | $12.1M | $30.5M | 3.33% | 24.89% | 10.69% |
| Q4 2023 | $12.1M | $32.3M | 3.19% | 26.69% | 10.00% |
| Q1 2024 | $11.8M | $31.1M | 5.69% | 25.52% | 9.56% |
| Q2 2024 | $11.9M | $30.2M | 5.50% | 24.18% | 11.09% |
| Q3 2024 | $11.9M | $29.0M | 5.36% | 24.68% | 11.58% |
| Q4 2024 | $12.2M | $29.9M | 5.13% | 24.20% | 11.56% |
| Q1 2025 | $12.6M | $31.7M | 4.86% | 26.32% | 12.61% |
| Q2 2025 | $12.6M | $30.6M | 4.76% | 27.04% | 11.95% |
| Q3 2025 | $12.8M | $29.8M | 4.54% | 29.83% | 11.54% |
| Q4 2025 | $13.1M | $30.8M | 4.01% | 29.73% | 11.30% |
| Q1 2026 | $12.5M | $33.4M | 4.10% | 34.14% | 11.51% |
| Q2 2026 | $12.7M | $31.5M | 3.91% | 32.98% | 10.61% |
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 9295) · FFIEC NIC profile (RSSD 749840)