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.
Loan-to-deposit ratio climbed 4.32 percentage points in Q2 2026, from 43.45% to 47.77%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers State Bank of Hoffman is 18th from the bottom among 221 Minnesota banks, 47.77% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Farmers State Bank of Hoffman sits 20.16 points lower, at 47.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.6M |
| Net loans and leases | $15.4M |
| Loans held for sale | $0 |
| Loans to total assets | 42.35% |
| Loan-to-deposit ratio | 47.77% |
| Net loans to equity capital | 3.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.19% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.61% |
| Consumer | 6.57% |
| Credit cards | 0.00% |
| Farm | 37.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.69% |
| Construction concentration (Tier 1 capital + allowance) | 0.69% |
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 | 6.92% |
| Interest income on loans | $258K |
Loan Portfolio trend
Last 11 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 |
|---|---|---|---|---|---|
| Q4 2023 | $15.4M | $30.1M | 3.10% | 6.07% | 8.53% |
| Q1 2024 | $13.9M | $31.7M | 4.76% | 6.23% | 8.95% |
| Q2 2024 | $14.6M | $30.3M | 4.46% | 6.10% | 8.36% |
| Q3 2024 | $15.2M | $30.1M | 4.65% | 5.00% | 8.90% |
| Q4 2024 | $16.0M | $30.8M | 4.37% | 4.69% | 6.56% |
| Q1 2025 | $15.2M | $31.5M | 4.49% | 5.08% | 6.95% |
| Q2 2025 | $15.8M | $33.8M | 3.37% | 4.86% | 8.03% |
| Q3 2025 | $15.7M | $30.2M | 3.36% | 5.30% | 8.30% |
| Q4 2025 | $16.0M | $30.5M | 3.26% | 5.21% | 7.13% |
| Q1 2026 | $14.9M | $34.4M | 3.38% | 5.26% | 7.09% |
| Q2 2026 | $15.6M | $32.7M | 3.19% | 5.61% | 6.57% |
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 9354) · FFIEC NIC profile (RSSD 981453)