Farmers Trust and Savings 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) climbed 9.50 percentage points in Q2 2026, from 374.19% to 383.69%. It was the largest change from Q1 2026 among the key lines here. Farmers Trust and Savings Bank ranks 68th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 91.05% (Q2 2026). Farmers Trust and Savings Bank reported 91.05% on loan-to-deposit ratio for Q2 2026, 10.22 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $507.5M |
| Net loans and leases | $501.6M |
| Loans held for sale | $386K |
| Loans to total assets | 82.12% |
| Loan-to-deposit ratio | 91.05% |
| Net loans to equity capital | 8.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.34% |
| Multifamily (5+ residential) | 20.85% |
| Commercial and industrial | 13.90% |
| Consumer | 0.78% |
| Credit cards | 0.00% |
| Farm | 9.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 383.69% |
| Construction concentration (Tier 1 capital + allowance) | 130.02% |
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 | 5.81% |
| Interest income on loans | $7.3M |
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 | $495.8M | $496.7M | 21.91% | 14.66% | 0.82% |
| Q4 2023 | $512.7M | $505.5M | 20.91% | 14.80% | 0.84% |
| Q1 2024 | $515.3M | $533.2M | 21.56% | 15.08% | 0.82% |
| Q2 2024 | $518.5M | $525.0M | 22.47% | 13.47% | 0.83% |
| Q3 2024 | $511.6M | $538.0M | 23.49% | 13.86% | 0.93% |
| Q4 2024 | $521.4M | $544.8M | 21.72% | 14.39% | 0.87% |
| Q1 2025 | $513.6M | $541.3M | 21.06% | 13.32% | 0.84% |
| Q2 2025 | $499.5M | $520.7M | 20.66% | 13.58% | 0.82% |
| Q3 2025 | $496.8M | $553.4M | 20.74% | 15.26% | 0.84% |
| Q4 2025 | $498.2M | $569.2M | 20.00% | 14.97% | 0.84% |
| Q1 2026 | $497.7M | $579.9M | 19.03% | 14.53% | 0.81% |
| Q2 2026 | $507.5M | $557.3M | 18.34% | 13.90% | 0.78% |
Farmers Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust and Savings 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 Farmers Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12858) · FFIEC NIC profile (RSSD 543945)