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.
Farm dropped 7.12 percentage points in Q2 2026, from 20.23% to 13.11%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank has the 9th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 36.97% as of Q2 2026. Farmers State Bank reported 36.97% on loan-to-deposit ratio for Q2 2026, 30.65 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.4M |
| Net loans and leases | $6.2M |
| Loans held for sale | $0 |
| Loans to total assets | 32.89% |
| Loan-to-deposit ratio | 36.97% |
| Net loans to equity capital | 3.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.90% |
| Consumer | 7.63% |
| Credit cards | 0.00% |
| Farm | 13.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.09% |
| Construction concentration (Tier 1 capital + allowance) | 2.09% |
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 | 6.47% |
| Interest income on loans | $105K |
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 | $7.3M | $15.7M | 0.00% | 12.42% | 5.63% |
| Q4 2023 | $7.4M | $15.1M | 0.00% | 11.56% | 4.50% |
| Q1 2024 | $7.0M | $15.3M | 0.00% | 11.37% | 5.26% |
| Q2 2024 | $7.1M | $14.4M | 0.00% | 15.76% | 5.41% |
| Q3 2024 | $7.0M | $14.4M | 0.00% | 15.11% | 4.64% |
| Q4 2024 | $7.4M | $14.4M | 0.00% | 14.35% | 5.21% |
| Q1 2025 | $6.5M | $16.2M | 0.00% | 16.17% | 5.63% |
| Q2 2025 | $6.3M | $18.0M | 0.00% | 19.07% | 5.27% |
| Q3 2025 | $6.7M | $18.6M | 0.00% | 22.90% | 5.71% |
| Q4 2025 | $7.6M | $18.4M | 0.00% | 19.84% | 5.52% |
| Q1 2026 | $7.2M | $17.7M | 0.00% | 20.58% | 6.80% |
| Q2 2026 | $6.4M | $17.4M | 0.00% | 21.90% | 7.63% |
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 17632) · FFIEC NIC profile (RSSD 976954)