Farmers State Bank of Canton: 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 Loan-to-deposit ratio: 2.97 percentage points higher than in Q1 2026, at 63.81%. Farmers State Bank of Canton ranks 39th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 63.81% (Q2 2026). Farmers State Bank of Canton reported 63.81% on loan-to-deposit ratio for Q2 2026, 3.82 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.6M |
| Net loans and leases | $43.4M |
| Loans held for sale | $0 |
| Loans to total assets | 53.47% |
| Loan-to-deposit ratio | 63.81% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.67% |
| Consumer | 4.92% |
| Credit cards | 0.00% |
| Farm | 22.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.55% |
| Construction concentration (Tier 1 capital + allowance) | 6.55% |
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 | 6.00% |
| Interest income on loans | $648K |
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 | $40.3M | $52.0M | 6.93% | 3.77% | 4.95% |
| Q4 2023 | $41.9M | $48.8M | 6.71% | 3.43% | 5.33% |
| Q1 2024 | $39.7M | $55.7M | 6.19% | 4.71% | 5.56% |
| Q2 2024 | $40.7M | $55.6M | 6.96% | 4.16% | 5.56% |
| Q3 2024 | $41.3M | $55.1M | 6.83% | 3.98% | 5.70% |
| Q4 2024 | $41.9M | $60.9M | 7.17% | 5.55% | 5.13% |
| Q1 2025 | $40.1M | $62.9M | 8.97% | 2.64% | 5.43% |
| Q2 2025 | $40.8M | $65.9M | 9.88% | 4.03% | 5.13% |
| Q3 2025 | $42.9M | $69.3M | 9.32% | 5.13% | 5.01% |
| Q4 2025 | $43.2M | $68.6M | 9.30% | 4.99% | 5.35% |
| Q1 2026 | $42.7M | $70.2M | 9.29% | 5.40% | 5.30% |
| Q2 2026 | $43.6M | $68.4M | 9.02% | 5.67% | 4.92% |
Farmers State Bank of Canton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Canton, 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 of Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11133) · FFIEC NIC profile (RSSD 91950)