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 Construction concentration (Tier 1 capital + allowance): 7.62 percentage points lower than in Q1 2026, at 41.02%. Among 225 Iowa banks, Farmers State Bank sits 20th from the top on loan-to-deposit ratio, 103.89% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers State Bank sits 15.69 points higher, at 103.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.30B |
| Net loans and leases | $1.29B |
| Loans held for sale | $1.1M |
| Loans to total assets | 81.59% |
| Loan-to-deposit ratio | 103.89% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.88% |
| Multifamily (5+ residential) | 16.04% |
| Commercial and industrial | 16.13% |
| Consumer | 2.53% |
| Credit cards | 0.56% |
| Farm | 7.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.09% |
| Construction concentration (Tier 1 capital + allowance) | 41.02% |
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 | 5.63% |
| Interest income on loans | $18.3M |
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 | $1.26B | $1.19B | 26.60% | 10.17% | 3.22% |
| Q4 2023 | $1.27B | $1.24B | 25.85% | 11.17% | 2.96% |
| Q1 2024 | $1.28B | $1.21B | 25.82% | 11.94% | 2.73% |
| Q2 2024 | $1.30B | $1.20B | 25.56% | 13.08% | 2.70% |
| Q3 2024 | $1.31B | $1.21B | 25.01% | 13.35% | 2.57% |
| Q4 2024 | $1.32B | $1.15B | 26.22% | 14.29% | 2.44% |
| Q1 2025 | $1.31B | $1.25B | 26.32% | 14.49% | 2.42% |
| Q2 2025 | $1.30B | $1.29B | 26.26% | 14.22% | 2.35% |
| Q3 2025 | $1.29B | $1.25B | 26.39% | 15.14% | 2.24% |
| Q4 2025 | $1.31B | $1.24B | 25.90% | 15.35% | 2.10% |
| Q1 2026 | $1.30B | $1.26B | 24.96% | 15.83% | 2.30% |
| Q2 2026 | $1.30B | $1.26B | 24.88% | 16.13% | 2.53% |
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 12855) · FFIEC NIC profile (RSSD 840747)