Farmers State Bank of Hamel: 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: 3.87 percentage points lower than in Q1 2026, at 35.18%. Farmers State Bank of Hamel has the 5th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 35.18% as of Q2 2026. Farmers State Bank of Hamel's loan-to-deposit ratio of 35.18% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 45.76 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.1M |
| Net loans and leases | $64.1M |
| Loans held for sale | $0 |
| Loans to total assets | 32.83% |
| Loan-to-deposit ratio | 35.18% |
| Net loans to equity capital | 5.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.00% |
| Multifamily (5+ residential) | 0.55% |
| Commercial and industrial | 6.65% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.65% |
| Construction concentration (Tier 1 capital + allowance) | 23.25% |
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 | 6.45% |
| Interest income on loans | $1.1M |
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 | $63.8M | $170.7M | 37.50% | 5.09% | 0.97% |
| Q4 2023 | $67.2M | $165.1M | 37.86% | 6.72% | 0.95% |
| Q1 2024 | $70.1M | $163.9M | 41.40% | 6.91% | 1.03% |
| Q2 2024 | $68.7M | $180.1M | 41.30% | 7.09% | 1.08% |
| Q3 2024 | $70.0M | $174.8M | 40.33% | 7.00% | 1.05% |
| Q4 2024 | $70.2M | $179.8M | 39.43% | 6.97% | 1.10% |
| Q1 2025 | $69.9M | $177.5M | 39.86% | 7.18% | 1.28% |
| Q2 2025 | $68.2M | $186.7M | 39.43% | 6.34% | 1.24% |
| Q3 2025 | $68.7M | $188.4M | 40.34% | 6.31% | 1.11% |
| Q4 2025 | $68.1M | $179.1M | 39.88% | 6.89% | 0.90% |
| Q1 2026 | $68.9M | $176.4M | 38.85% | 7.63% | 0.83% |
| Q2 2026 | $65.1M | $185.1M | 40.00% | 6.65% | 0.96% |
Farmers State Bank of Hamel loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Hamel, 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 Hamel profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8214) · FFIEC NIC profile (RSSD 1006157)