The Farmers State Bank and Trust Company: 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.
Loan-to-deposit ratio climbed 3.35 percentage points in Q2 2026, from 50.18% to 53.53%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Farmers State Bank and Trust Company is 266th of 323 on loan-to-deposit ratio, 53.53% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers State Bank and Trust Company sits 27.31 points lower, at 53.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.5M |
| Net loans and leases | $94.3M |
| Loans held for sale | $329K |
| Loans to total assets | 45.91% |
| Loan-to-deposit ratio | 53.53% |
| Net loans to equity capital | 3.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.65% |
| Multifamily (5+ residential) | 1.61% |
| Commercial and industrial | 12.05% |
| Consumer | 9.46% |
| Credit cards | 0.05% |
| Farm | 7.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.00% |
| Construction concentration (Tier 1 capital + allowance) | 6.23% |
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 | 6.26% |
| Interest income on loans | $1.5M |
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 | $111.0M | $187.6M | 29.15% | 11.27% | 11.66% |
| Q4 2023 | $111.5M | $195.4M | 28.45% | 12.93% | 11.55% |
| Q1 2024 | $109.5M | $197.2M | 29.60% | 13.45% | 11.46% |
| Q2 2024 | $110.1M | $189.4M | 29.13% | 14.25% | 11.37% |
| Q3 2024 | $106.8M | $189.5M | 29.98% | 11.58% | 11.65% |
| Q4 2024 | $104.8M | $200.3M | 31.06% | 10.58% | 11.38% |
| Q1 2025 | $100.4M | $191.7M | 31.43% | 12.32% | 10.97% |
| Q2 2025 | $99.9M | $189.4M | 32.79% | 11.83% | 10.66% |
| Q3 2025 | $96.5M | $182.6M | 31.44% | 10.27% | 10.89% |
| Q4 2025 | $99.5M | $179.7M | 31.67% | 11.54% | 10.39% |
| Q1 2026 | $92.6M | $184.6M | 33.46% | 12.42% | 9.85% |
| Q2 2026 | $96.5M | $180.2M | 31.65% | 12.05% | 9.46% |
The Farmers State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank and Trust Company, 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 The Farmers State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11747) · FFIEC NIC profile (RSSD 481944)