Farmers State Bank of Hoffman: 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.
Cre concentration (tier 1 capital + allowance) climbed 7.36 percentage points in Q2 2026, from 33.44% to 40.81%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank of Hoffman ranks 216th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.08% (Q2 2026). Farmers State Bank of Hoffman reported 68.08% on loan-to-deposit ratio for Q2 2026, 12.87 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $114.5M |
| Net loans and leases | $113.2M |
| Loans held for sale | $0 |
| Loans to total assets | 49.34% |
| Loan-to-deposit ratio | 68.08% |
| Net loans to equity capital | 5.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.20% |
| Multifamily (5+ residential) | 2.29% |
| Commercial and industrial | 17.40% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 30.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.81% |
| Construction concentration (Tier 1 capital + allowance) | 18.43% |
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 | 6.17% |
| Interest income on loans | $1.7M |
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 | $79.7M | $150.3M | 6.29% | 19.10% | 2.75% |
| Q4 2023 | $83.6M | $148.5M | 6.34% | 20.98% | 2.52% |
| Q1 2024 | $82.1M | $150.6M | 6.92% | 20.87% | 2.45% |
| Q2 2024 | $84.8M | $150.8M | 7.66% | 20.36% | 2.30% |
| Q3 2024 | $93.0M | $145.1M | 13.48% | 19.77% | 2.08% |
| Q4 2024 | $95.2M | $144.3M | 13.14% | 18.68% | 2.09% |
| Q1 2025 | $99.6M | $166.4M | 12.44% | 18.90% | 1.85% |
| Q2 2025 | $102.8M | $166.1M | 14.87% | 19.38% | 1.80% |
| Q3 2025 | $108.5M | $164.7M | 14.03% | 19.31% | 1.81% |
| Q4 2025 | $105.9M | $166.8M | 8.98% | 20.85% | 1.92% |
| Q1 2026 | $109.8M | $164.5M | 12.87% | 19.33% | 1.77% |
| Q2 2026 | $114.5M | $168.2M | 12.20% | 17.40% | 1.63% |
Farmers State Bank of Hoffman loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Hoffman, 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 Hoffman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9259) · FFIEC NIC profile (RSSD 837541)