First Farmers & Merchants National 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): 3.00 percentage points lower than in Q1 2026, at 132.45%. First Farmers & Merchants National Bank ranks 32nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 101.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Farmers & Merchants National Bank sits 20.18 points higher, at 101.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $116.5M |
| Net loans and leases | $115.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.97% |
| Loan-to-deposit ratio | 101.02% |
| Net loans to equity capital | 8.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.44% |
| Multifamily (5+ residential) | 7.11% |
| Commercial and industrial | 14.81% |
| Consumer | 3.37% |
| Credit cards | 0.00% |
| Farm | 7.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.45% |
| Construction concentration (Tier 1 capital + allowance) | 17.12% |
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 | 6.76% |
| Interest income on loans | $2.0M |
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 | $105.5M | $113.7M | 13.86% | 20.02% | 5.21% |
| Q4 2023 | $105.7M | $114.6M | 14.49% | 18.23% | 5.62% |
| Q1 2024 | $106.3M | $102.1M | 13.82% | 17.63% | 4.44% |
| Q2 2024 | $112.8M | $105.0M | 13.83% | 19.38% | 5.13% |
| Q3 2024 | $111.6M | $108.8M | 15.53% | 18.57% | 4.28% |
| Q4 2024 | $106.3M | $111.5M | 15.54% | 18.16% | 3.35% |
| Q1 2025 | $108.0M | $110.8M | 15.40% | 14.96% | 3.15% |
| Q2 2025 | $108.6M | $110.9M | 16.73% | 13.93% | 2.70% |
| Q3 2025 | $110.9M | $114.1M | 18.97% | 14.00% | 2.64% |
| Q4 2025 | $111.4M | $122.0M | 17.90% | 16.43% | 3.62% |
| Q1 2026 | $118.4M | $119.5M | 19.04% | 13.54% | 3.58% |
| Q2 2026 | $116.5M | $115.4M | 19.44% | 14.81% | 3.37% |
First Farmers & Merchants National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33131) · FFIEC NIC profile (RSSD 1470150)