Farmers State Bank of Medora: 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 6.87 percentage points in Q2 2026, from 36.55% to 43.43%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers State Bank of Medora is 21st from the bottom among 323 Illinois banks, 43.43% (Q2 2026). Farmers State Bank of Medora reported 43.43% on loan-to-deposit ratio for Q2 2026, 24.20 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.8M |
| Net loans and leases | $7.7M |
| Loans held for sale | $0 |
| Loans to total assets | 38.14% |
| Loan-to-deposit ratio | 43.43% |
| Net loans to equity capital | 3.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 45.98% |
| Consumer | 6.22% |
| Credit cards | 0.00% |
| Farm | 2.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.34% |
| 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 | 6.30% |
| Interest income on loans | $119K |
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 | $7.4M | $20.7M | 4.49% | 43.16% | 14.35% |
| Q4 2023 | $7.4M | $20.4M | 4.49% | 45.84% | 13.64% |
| Q1 2024 | $6.9M | $20.2M | 4.77% | 47.01% | 12.62% |
| Q2 2024 | $6.4M | $19.5M | 4.58% | 44.81% | 12.71% |
| Q3 2024 | $7.2M | $18.5M | 4.04% | 50.57% | 11.26% |
| Q4 2024 | $7.4M | $19.5M | 3.92% | 52.73% | 9.78% |
| Q1 2025 | $7.8M | $18.5M | 3.21% | 50.28% | 9.32% |
| Q2 2025 | $8.1M | $17.5M | 3.06% | 49.90% | 8.92% |
| Q3 2025 | $7.9M | $19.9M | 3.11% | 45.38% | 8.29% |
| Q4 2025 | $7.4M | $18.5M | 3.32% | 44.21% | 8.76% |
| Q1 2026 | $7.3M | $20.0M | 2.78% | 46.70% | 7.40% |
| Q2 2026 | $7.8M | $17.9M | 2.60% | 45.98% | 6.22% |
Farmers State Bank of Medora loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Medora, 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 Medora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13902) · FFIEC NIC profile (RSSD 295646)