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.
Loan-to-deposit ratio dropped 5.30 percentage points in Q2 2026, from 102.77% to 97.47%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Trust & Savings Bank is 38th of 225 on loan-to-deposit ratio, 97.47% as of Q2 2026, above the middle of the field. Farmers Trust & Savings Bank reported 97.47% on loan-to-deposit ratio for Q2 2026, 16.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $364.3M |
| Net loans and leases | $358.8M |
| Loans held for sale | $0 |
| Loans to total assets | 86.19% |
| Loan-to-deposit ratio | 97.47% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.27% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 8.38% |
| Consumer | 1.10% |
| Credit cards | 0.00% |
| Farm | 43.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.73% |
| Construction concentration (Tier 1 capital + allowance) | 1.71% |
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 | $5.4M |
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 | $298.8M | $279.2M | 5.39% | 15.10% | 1.60% |
| Q4 2023 | $316.3M | $292.7M | 5.03% | 14.31% | 1.51% |
| Q1 2024 | $316.8M | $295.1M | 4.96% | 12.70% | 1.46% |
| Q2 2024 | $310.0M | $289.6M | 5.06% | 12.32% | 1.49% |
| Q3 2024 | $309.4M | $290.5M | 5.15% | 11.73% | 1.44% |
| Q4 2024 | $315.4M | $303.8M | 5.07% | 11.36% | 1.57% |
| Q1 2025 | $320.1M | $306.5M | 5.56% | 10.84% | 1.43% |
| Q2 2025 | $315.9M | $300.0M | 6.10% | 10.65% | 1.35% |
| Q3 2025 | $311.2M | $297.3M | 5.58% | 9.28% | 1.41% |
| Q4 2025 | $319.8M | $310.9M | 5.72% | 8.64% | 1.29% |
| Q1 2026 | $327.4M | $318.6M | 5.55% | 8.78% | 1.11% |
| Q2 2026 | $364.3M | $373.8M | 5.27% | 8.38% | 1.10% |
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 14195) · FFIEC NIC profile (RSSD 825847)