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) dropped 5.42 percentage points in Q2 2026, from 5.85% to 0.43%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 178th of 225 on loan-to-deposit ratio, 65.43% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Farmers State Bank sits 2.49 points lower, at 65.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.9M |
| Net loans and leases | $42.8M |
| Loans held for sale | $0 |
| Loans to total assets | 56.94% |
| Loan-to-deposit ratio | 65.43% |
| Net loans to equity capital | 4.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.16% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.06% |
| Consumer | 3.19% |
| Credit cards | 0.00% |
| Farm | 25.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.06% |
| Construction concentration (Tier 1 capital + allowance) | 0.43% |
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 | 6.73% |
| Interest income on loans | $739K |
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 | $37.3M | $58.8M | 4.41% | 16.01% | 4.29% |
| Q4 2023 | $42.7M | $62.4M | 3.79% | 17.15% | 4.03% |
| Q1 2024 | $43.3M | $64.9M | 3.66% | 16.94% | 4.26% |
| Q2 2024 | $42.3M | $62.7M | 3.67% | 17.50% | 4.30% |
| Q3 2024 | $45.7M | $61.8M | 4.27% | 16.15% | 3.48% |
| Q4 2024 | $45.2M | $64.8M | 3.80% | 15.45% | 3.99% |
| Q1 2025 | $42.3M | $66.3M | 3.99% | 15.87% | 3.23% |
| Q2 2025 | $44.0M | $65.3M | 4.63% | 15.26% | 2.89% |
| Q3 2025 | $43.3M | $64.4M | 2.69% | 15.40% | 2.79% |
| Q4 2025 | $41.8M | $65.8M | 2.99% | 12.86% | 3.29% |
| Q1 2026 | $43.1M | $68.5M | 3.04% | 12.36% | 2.39% |
| Q2 2026 | $43.9M | $67.2M | 4.16% | 12.06% | 3.19% |
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 8503) · FFIEC NIC profile (RSSD 944748)