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.
Cre concentration (tier 1 capital + allowance) climbed 11.98 percentage points in Q2 2026, from 30.87% to 42.84%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 104th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 55.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank sits 25.21 points lower, at 55.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.2M |
| Net loans and leases | $87.7M |
| Loans held for sale | $0 |
| Loans to total assets | 47.89% |
| Loan-to-deposit ratio | 55.63% |
| Net loans to equity capital | 3.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.13% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.79% |
| Consumer | 9.78% |
| Credit cards | 0.00% |
| Farm | 4.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.84% |
| Construction concentration (Tier 1 capital + allowance) | 22.78% |
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 | 8.48% |
| Interest income on loans | $1.8M |
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 | $83.4M | $149.1M | 28.04% | 5.27% | 12.06% |
| Q4 2023 | $82.9M | $149.7M | 26.70% | 6.93% | 12.11% |
| Q1 2024 | $80.4M | $152.3M | 27.26% | 5.64% | 12.39% |
| Q2 2024 | $81.3M | $147.6M | 28.10% | 5.49% | 12.76% |
| Q3 2024 | $83.0M | $149.9M | 28.04% | 5.03% | 12.62% |
| Q4 2024 | $81.7M | $163.5M | 27.75% | 5.08% | 12.50% |
| Q1 2025 | $82.3M | $165.8M | 27.47% | 6.44% | 12.06% |
| Q2 2025 | $85.1M | $160.7M | 25.15% | 7.35% | 11.54% |
| Q3 2025 | $84.7M | $155.0M | 24.78% | 8.57% | 11.06% |
| Q4 2025 | $86.3M | $159.1M | 24.07% | 8.39% | 10.49% |
| Q1 2026 | $85.0M | $162.9M | 24.57% | 9.00% | 10.49% |
| Q2 2026 | $89.2M | $160.3M | 24.13% | 8.79% | 9.78% |
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 879) · FFIEC NIC profile (RSSD 773032)