Farmers State Bank & Trust Company: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 12.45 percentage points lower than in Q2 2026, at 105.25%. Farmers State Bank & Trust Company ranks 90th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 53.10% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank & Trust Company sits 27.74 points lower, at 53.10% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $82.4M |
| Net loans and leases | $80.9M |
| Loans held for sale | $0 |
| Loans to total assets | 48.77% |
| Loan-to-deposit ratio | 53.10% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.35% |
| Multifamily (5+ residential) | 3.25% |
| Commercial and industrial | 15.69% |
| Consumer | 3.81% |
| Credit cards | 0.00% |
| Farm | 9.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 105.25% |
| Construction concentration (Tier 1 capital + allowance) | 48.08% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.26% |
| Interest income on loans | $1.5M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $78.1M | $150.3M | 33.35% | 18.06% | 3.81% |
| Q1 2024 | $82.4M | $151.6M | 31.09% | 17.45% | 3.66% |
| Q2 2024 | $84.8M | $152.9M | 30.77% | 16.47% | 4.30% |
| Q3 2024 | $83.2M | $149.1M | 31.50% | 16.15% | 4.11% |
| Q4 2024 | $79.3M | $150.2M | 32.55% | 16.47% | 4.93% |
| Q1 2025 | $77.1M | $159.3M | 30.62% | 16.29% | 4.69% |
| Q2 2025 | $76.7M | $154.3M | 33.25% | 16.22% | 4.95% |
| Q3 2025 | $77.5M | $153.7M | 33.54% | 15.45% | 4.41% |
| Q4 2025 | $79.9M | $154.6M | 34.83% | 14.97% | 4.86% |
| Q1 2026 | $78.1M | $159.6M | 35.63% | 14.53% | 4.75% |
| Q2 2026 | $82.5M | $159.7M | 34.52% | 15.18% | 4.05% |
| Q3 2026 | $82.4M | $155.2M | 35.35% | 15.69% | 3.81% |
Farmers State Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16114) · FFIEC NIC profile (RSSD 567736)