First Farmers & Merchants 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): 5.93 percentage points lower than in Q1 2026, at 110.10%. Within Minnesota, First Farmers & Merchants Bank is 157th of 221 on loan-to-deposit ratio, 70.96% as of Q2 2026, below the middle of the field. First Farmers & Merchants Bank reported 70.96% on loan-to-deposit ratio for Q2 2026, 9.88 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $310.0M |
| Net loans and leases | $306.9M |
| Loans held for sale | $935K |
| Loans to total assets | 63.72% |
| Loan-to-deposit ratio | 70.96% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.86% |
| Multifamily (5+ residential) | 7.59% |
| Commercial and industrial | 12.60% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 20.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 110.10% |
| Construction concentration (Tier 1 capital + allowance) | 19.37% |
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 | $5.1M |
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 | $282.1M | $395.4M | 17.73% | 18.28% | 2.31% |
| Q4 2023 | $282.4M | $404.7M | 17.17% | 17.64% | 2.12% |
| Q1 2024 | $282.2M | $399.3M | 17.91% | 18.18% | 2.15% |
| Q2 2024 | $286.6M | $398.0M | 19.07% | 18.51% | 2.05% |
| Q3 2024 | $283.7M | $396.0M | 19.10% | 17.38% | 2.01% |
| Q4 2024 | $278.9M | $415.4M | 18.92% | 16.89% | 1.97% |
| Q1 2025 | $284.1M | $409.8M | 20.25% | 15.18% | 1.84% |
| Q2 2025 | $295.1M | $421.0M | 19.33% | 15.18% | 1.73% |
| Q3 2025 | $296.8M | $426.5M | 21.44% | 14.64% | 1.75% |
| Q4 2025 | $293.8M | $441.8M | 21.58% | 13.20% | 1.66% |
| Q1 2026 | $297.2M | $426.0M | 20.53% | 11.44% | 1.60% |
| Q2 2026 | $310.0M | $436.8M | 19.86% | 12.60% | 1.52% |
First Farmers & Merchants Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants 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 First Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10168) · FFIEC NIC profile (RSSD 217059)