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 9.48 percentage points in Q2 2026, from 97.82% to 107.31%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 194th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 68.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers State Bank sits 11.97 points lower, at 68.97% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $231.1M |
| Net loans and leases | $227.8M |
| Loans held for sale | $0 |
| Loans to total assets | 59.03% |
| Loan-to-deposit ratio | 68.97% |
| Net loans to equity capital | 4.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.71% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 33.24% |
| Consumer | 3.38% |
| Credit cards | 0.00% |
| Farm | 8.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.31% |
| Construction concentration (Tier 1 capital + allowance) | 25.96% |
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 | 7.39% |
| Interest income on loans | $4.1M |
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 | $225.0M | $321.3M | 21.08% | 37.07% | 3.55% |
| Q4 2023 | $215.2M | $319.3M | 22.21% | 34.38% | 3.78% |
| Q1 2024 | $218.8M | $311.7M | 22.20% | 34.51% | 3.71% |
| Q2 2024 | $223.3M | $302.8M | 21.81% | 37.33% | 3.64% |
| Q3 2024 | $216.1M | $297.2M | 24.25% | 35.18% | 3.85% |
| Q4 2024 | $221.6M | $313.0M | 23.73% | 37.66% | 3.63% |
| Q1 2025 | $208.8M | $314.7M | 25.90% | 33.73% | 3.94% |
| Q2 2025 | $212.4M | $308.6M | 25.94% | 34.46% | 3.87% |
| Q3 2025 | $219.8M | $311.7M | 28.42% | 34.16% | 3.61% |
| Q4 2025 | $243.1M | $347.8M | 26.90% | 38.36% | 3.25% |
| Q1 2026 | $239.0M | $332.9M | 27.51% | 37.05% | 3.25% |
| Q2 2026 | $231.1M | $335.0M | 30.71% | 33.24% | 3.38% |
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 13407) · FFIEC NIC profile (RSSD 875057)