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): 11.63 percentage points lower than in Q1 2026, at 136.06%. The Farmers State Bank ranks 111th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 70.02% (Q2 2026). The Farmers State Bank reported 70.02% on loan-to-deposit ratio for Q2 2026, 10.93 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $127.5M |
| Net loans and leases | $125.5M |
| Loans held for sale | $0 |
| Loans to total assets | 65.76% |
| Loan-to-deposit ratio | 70.02% |
| Net loans to equity capital | 12.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.12% |
| Consumer | 14.04% |
| Credit cards | 0.00% |
| Farm | 5.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.06% |
| Construction concentration (Tier 1 capital + allowance) | 62.91% |
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 | 8.66% |
| Interest income on loans | $2.8M |
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 | $108.4M | $169.6M | 14.31% | 14.55% | 16.93% |
| Q4 2023 | $109.5M | $165.9M | 13.92% | 15.02% | 16.67% |
| Q1 2024 | $112.4M | $168.5M | 14.55% | 14.14% | 16.19% |
| Q2 2024 | $114.0M | $169.9M | 13.17% | 13.78% | 16.25% |
| Q3 2024 | $114.2M | $168.5M | 14.58% | 13.42% | 16.28% |
| Q4 2024 | $118.1M | $176.2M | 14.16% | 14.31% | 15.56% |
| Q1 2025 | $121.0M | $184.5M | 13.85% | 14.23% | 15.09% |
| Q2 2025 | $123.5M | $186.4M | 13.57% | 12.90% | 14.64% |
| Q3 2025 | $126.2M | $188.1M | 13.20% | 12.72% | 14.63% |
| Q4 2025 | $128.6M | $180.7M | 13.38% | 13.07% | 14.11% |
| Q1 2026 | $130.7M | $187.0M | 13.01% | 14.30% | 13.48% |
| Q2 2026 | $127.5M | $182.1M | 12.45% | 13.12% | 14.04% |
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 404) · FFIEC NIC profile (RSSD 647759)