Farmers State Bank, Inc: 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.57 percentage points lower than in Q1 2026, at 37.16%. On loan-to-deposit ratio, Farmers State Bank, Inc is 5th from the bottom among 120 Kentucky banks, 45.70% (Q2 2026). Farmers State Bank, Inc reported 45.70% on loan-to-deposit ratio for Q2 2026, 22.23 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.6M |
| Net loans and leases | $28.0M |
| Loans held for sale | $0 |
| Loans to total assets | 41.20% |
| Loan-to-deposit ratio | 45.70% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.11% |
| Multifamily (5+ residential) | 8.02% |
| Commercial and industrial | 8.53% |
| Consumer | 12.25% |
| Credit cards | 0.00% |
| Farm | 1.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.24% |
| Construction concentration (Tier 1 capital + allowance) | 37.16% |
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 | 6.60% |
| Interest income on loans | $469K |
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 | $26.2M | $54.7M | 19.21% | 7.89% | 16.96% |
| Q4 2023 | $26.5M | $53.8M | 17.34% | 8.22% | 15.62% |
| Q1 2024 | $28.1M | $54.1M | 19.37% | 10.52% | 15.34% |
| Q2 2024 | $27.8M | $53.9M | 19.08% | 10.44% | 15.18% |
| Q3 2024 | $27.5M | $51.2M | 18.10% | 10.73% | 15.56% |
| Q4 2024 | $28.0M | $54.1M | 18.38% | 10.38% | 15.41% |
| Q1 2025 | $28.8M | $54.4M | 16.80% | 10.01% | 12.25% |
| Q2 2025 | $28.1M | $56.6M | 16.06% | 8.30% | 12.26% |
| Q3 2025 | $28.6M | $57.3M | 15.68% | 8.72% | 12.84% |
| Q4 2025 | $28.6M | $61.5M | 15.07% | 9.20% | 12.51% |
| Q1 2026 | $28.9M | $62.0M | 17.67% | 8.81% | 12.09% |
| Q2 2026 | $28.6M | $62.5M | 17.11% | 8.53% | 12.25% |
Farmers State Bank, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, Inc, 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, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5838) · FFIEC NIC profile (RSSD 131717)