Farmers Trust & 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 3.30 percentage points in Q2 2026, from 47.52% to 50.82%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Trust & Savings Bank is 154th of 225 on loan-to-deposit ratio, 72.36% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Trust & Savings Bank sits 8.48 points lower, at 72.36% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $97.3M |
| Net loans and leases | $96.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.72% |
| Loan-to-deposit ratio | 72.36% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.98% |
| Multifamily (5+ residential) | 2.26% |
| Commercial and industrial | 12.26% |
| Consumer | 2.20% |
| Credit cards | 0.00% |
| Farm | 38.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.82% |
| Construction concentration (Tier 1 capital + allowance) | 6.56% |
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 | — |
| 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 |
|---|---|---|---|---|---|
| Q3 2023 | $79.5M | $120.9M | 5.71% | 10.75% | 2.81% |
| Q4 2023 | $85.2M | $118.2M | 5.21% | 9.25% | 2.49% |
| Q1 2024 | $84.3M | $124.0M | 5.24% | 11.87% | 2.72% |
| Q2 2024 | $83.6M | $128.9M | 5.53% | 14.23% | 2.66% |
| Q3 2024 | $86.1M | $125.2M | 5.23% | 13.82% | 2.42% |
| Q4 2024 | $88.1M | $130.6M | 6.81% | 13.18% | 2.42% |
| Q1 2025 | $85.6M | $132.0M | 6.87% | 11.84% | 2.41% |
| Q2 2025 | $87.4M | $133.1M | 6.42% | 12.98% | 2.40% |
| Q3 2025 | $91.5M | $125.7M | 6.24% | 12.08% | 2.34% |
| Q4 2025 | $94.0M | $130.0M | 5.86% | 10.22% | 2.16% |
| Q1 2026 | $94.4M | $136.0M | 5.75% | 11.16% | 2.09% |
| Q2 2026 | $97.3M | $134.5M | 5.98% | 12.26% | 2.20% |
Farmers Trust & Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8510) · FFIEC NIC profile (RSSD 646042)