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.
Construction concentration (tier 1 capital + allowance) climbed 3.39 percentage points in Q2 2026, from 23.35% to 26.75%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 251st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 58.43% (Q2 2026). Farmers State Bank reported 58.43% on loan-to-deposit ratio for Q2 2026, 9.19 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.2M |
| Net loans and leases | $33.8M |
| Loans held for sale | $0 |
| Loans to total assets | 51.11% |
| Loan-to-deposit ratio | 58.43% |
| Net loans to equity capital | 12.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.15% |
| Multifamily (5+ residential) | 1.77% |
| Commercial and industrial | 7.00% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 23.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.72% |
| Construction concentration (Tier 1 capital + allowance) | 26.75% |
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 | 6.63% |
| Interest income on loans | $564K |
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 | $37.1M | $58.4M | 22.71% | 5.48% | 1.73% |
| Q4 2023 | $36.6M | $57.4M | 23.30% | 5.79% | 1.76% |
| Q1 2024 | $36.7M | $58.1M | 22.66% | 5.98% | 1.60% |
| Q2 2024 | $38.2M | $58.6M | 21.46% | 5.09% | 1.50% |
| Q3 2024 | $38.9M | $63.0M | 22.77% | 4.92% | 1.37% |
| Q4 2024 | $37.7M | $64.1M | 21.00% | 6.15% | 1.27% |
| Q1 2025 | $37.2M | $59.8M | 21.26% | 5.81% | 1.26% |
| Q2 2025 | $36.0M | $55.6M | 21.58% | 4.80% | 1.34% |
| Q3 2025 | $36.0M | $60.8M | 21.50% | 4.36% | 1.42% |
| Q4 2025 | $35.4M | $60.3M | 21.10% | 6.01% | 1.39% |
| Q1 2026 | $35.2M | $62.4M | 17.11% | 6.99% | 1.31% |
| Q2 2026 | $34.2M | $58.5M | 17.15% | 7.00% | 1.27% |
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 12107) · FFIEC NIC profile (RSSD 921936)