The Farmers State Bank: 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): 1.13 percentage points lower than in Q1 2026, at 64.26%. Within Ohio, The Farmers State Bank is 82nd of 156 on loan-to-deposit ratio, 81.08% as of Q2 2026, below the middle of the field. At 81.08%, The Farmers State Bank'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 | $234.8M |
| Net loans and leases | $232.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.25% |
| Loan-to-deposit ratio | 81.08% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.47% |
| Multifamily (5+ residential) | 1.24% |
| Commercial and industrial | 4.57% |
| Consumer | 5.34% |
| Credit cards | 0.00% |
| Farm | 23.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.26% |
| Construction concentration (Tier 1 capital + allowance) | 21.83% |
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 | 6.58% |
| Interest income on loans | $3.9M |
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 | $159.6M | $192.6M | 9.52% | 5.08% | 5.47% |
| Q4 2023 | $163.2M | $197.3M | 9.11% | 4.73% | 5.40% |
| Q1 2024 | $161.8M | $199.1M | 9.46% | 4.50% | 5.40% |
| Q2 2024 | $162.9M | $201.4M | 10.56% | 4.69% | 5.35% |
| Q3 2024 | $167.2M | $203.5M | 10.44% | 4.37% | 5.68% |
| Q4 2024 | $171.4M | $210.5M | 10.10% | 4.20% | 5.63% |
| Q1 2025 | $176.2M | $212.9M | 11.84% | 4.03% | 5.46% |
| Q2 2025 | $185.6M | $220.1M | 11.24% | 4.05% | 5.28% |
| Q3 2025 | $235.3M | $285.8M | 10.60% | 4.45% | 5.83% |
| Q4 2025 | $237.0M | $287.7M | 10.35% | 4.37% | 5.55% |
| Q1 2026 | $233.6M | $291.2M | 9.60% | 4.48% | 5.57% |
| Q2 2026 | $234.8M | $289.6M | 9.47% | 4.57% | 5.34% |
The Farmers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank, 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 The Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14991) · FFIEC NIC profile (RSSD 370721)