Farmers State Bank of Emden: 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 dropped 2.55 percentage points in Q2 2026, from 49.88% to 47.34%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers State Bank of Emden is 29th from the bottom among 323 Illinois banks, 47.34% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers State Bank of Emden sits 20.29 points lower, at 47.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.5M |
| Net loans and leases | $12.4M |
| Loans held for sale | $0 |
| Loans to total assets | 33.02% |
| Loan-to-deposit ratio | 47.34% |
| Net loans to equity capital | 1.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.43% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.93% |
| Consumer | 3.82% |
| Credit cards | 0.00% |
| Farm | 18.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.74% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.78% |
| Interest income on loans | $216K |
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 | $10.6M | $30.4M | 13.71% | 11.63% | 3.60% |
| Q4 2023 | $13.0M | $28.2M | 12.24% | 8.57% | 2.63% |
| Q1 2024 | $13.1M | $26.7M | 14.04% | 8.84% | 2.77% |
| Q2 2024 | $11.7M | $26.8M | 15.77% | 9.85% | 3.27% |
| Q3 2024 | $11.3M | $26.0M | 17.49% | 10.06% | 3.53% |
| Q4 2024 | $13.0M | $26.3M | 14.45% | 7.95% | 3.61% |
| Q1 2025 | $12.9M | $27.8M | 14.29% | 7.71% | 3.72% |
| Q2 2025 | $11.8M | $27.2M | 16.56% | 8.15% | 3.98% |
| Q3 2025 | $11.6M | $26.2M | 17.09% | 8.10% | 4.14% |
| Q4 2025 | $13.2M | $25.9M | 12.62% | 8.00% | 3.54% |
| Q1 2026 | $13.4M | $26.9M | 13.27% | 8.54% | 3.81% |
| Q2 2026 | $12.5M | $26.4M | 13.43% | 8.93% | 3.82% |
Farmers State Bank of Emden loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Emden, 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 Emden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10077) · FFIEC NIC profile (RSSD 860231)