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.
Cre concentration (tier 1 capital + allowance) dropped 1.30 percentage points in Q2 2026, from 46.85% to 45.54%. It was the largest change from Q1 2026 among the key lines here. The Farmers State Bank ranks 132nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 63.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Farmers State Bank sits 17.27 points lower, at 63.67% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $144.0M |
| Net loans and leases | $141.7M |
| Loans held for sale | $1.3M |
| Loans to total assets | 55.90% |
| Loan-to-deposit ratio | 63.67% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.63% |
| Multifamily (5+ residential) | 1.13% |
| Commercial and industrial | 13.26% |
| Consumer | 3.00% |
| Credit cards | 0.00% |
| Farm | 26.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.54% |
| Construction concentration (Tier 1 capital + allowance) | 35.37% |
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 | 6.67% |
| Interest income on loans | $2.4M |
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 | $142.6M | $184.2M | 9.96% | 15.43% | 3.92% |
| Q4 2023 | $147.0M | $190.7M | 9.44% | 14.71% | 3.60% |
| Q1 2024 | $152.9M | $197.8M | 8.98% | 15.66% | 3.32% |
| Q2 2024 | $153.2M | $198.9M | 8.87% | 14.75% | 3.33% |
| Q3 2024 | $147.7M | $191.4M | 9.02% | 14.69% | 3.38% |
| Q4 2024 | $149.9M | $194.9M | 8.23% | 15.97% | 3.16% |
| Q1 2025 | $136.9M | $208.3M | 6.63% | 13.24% | 3.37% |
| Q2 2025 | $139.0M | $204.5M | 5.93% | 12.94% | 3.34% |
| Q3 2025 | $135.9M | $203.9M | 5.96% | 13.27% | 3.34% |
| Q4 2025 | $141.1M | $204.2M | 5.78% | 13.05% | 3.14% |
| Q1 2026 | $141.7M | $223.9M | 5.87% | 12.70% | 3.08% |
| Q2 2026 | $144.0M | $226.2M | 5.63% | 13.26% | 3.00% |
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 15164) · FFIEC NIC profile (RSSD 615851)