Farmers State Bank of Underwood: 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 CRE concentration (Tier 1 capital + allowance): 13.20 percentage points higher than in Q1 2026, at 191.54%. Within Minnesota, Farmers State Bank of Underwood is 105th of 221 on loan-to-deposit ratio, 82.52% as of Q2 2026, above the middle of the field. At 82.52%, Farmers State Bank of Underwood's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.7M |
| Net loans and leases | $84.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.33% |
| Loan-to-deposit ratio | 82.52% |
| Net loans to equity capital | 9.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.27% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 14.36% |
| Consumer | 2.80% |
| Credit cards | 0.00% |
| Farm | 9.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.54% |
| Construction concentration (Tier 1 capital + allowance) | 37.58% |
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 | 7.81% |
| Interest income on loans | $1.6M |
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 | $73.9M | $90.8M | 16.25% | 21.00% | 3.98% |
| Q4 2023 | $76.8M | $91.7M | 15.86% | 19.63% | 3.92% |
| Q1 2024 | $77.3M | $94.5M | 16.40% | 21.31% | 3.83% |
| Q2 2024 | $79.4M | $94.1M | 15.93% | 20.82% | 3.86% |
| Q3 2024 | $78.1M | $96.5M | 15.90% | 19.61% | 3.74% |
| Q4 2024 | $77.8M | $95.9M | 16.62% | 18.11% | 3.34% |
| Q1 2025 | $76.6M | $94.8M | 16.14% | 19.57% | 3.31% |
| Q2 2025 | $79.7M | $99.7M | 17.58% | 18.79% | 2.91% |
| Q3 2025 | $81.0M | $100.8M | 17.73% | 18.31% | 2.86% |
| Q4 2025 | $86.5M | $99.7M | 22.59% | 12.58% | 2.69% |
| Q1 2026 | $81.5M | $102.5M | 23.68% | 14.04% | 2.69% |
| Q2 2026 | $85.7M | $103.9M | 24.27% | 14.36% | 2.80% |
Farmers State Bank of Underwood loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Underwood, 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 Underwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10174) · FFIEC NIC profile (RSSD 865852)