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 Loan-to-deposit ratio: 3.26 percentage points higher than in Q1 2026, at 86.63%. First Farmers & Merchants National Bank ranks 81st of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 86.63% (Q2 2026). First Farmers & Merchants National Bank reported 86.63% on loan-to-deposit ratio for Q2 2026, 5.69 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $185.0M |
| Net loans and leases | $183.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.24% |
| Loan-to-deposit ratio | 86.63% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.87% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 13.63% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 26.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.56% |
| Construction concentration (Tier 1 capital + allowance) | 25.95% |
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 | 6.47% |
| Interest income on loans | $3.0M |
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 | $163.5M | $181.1M | 10.35% | 15.87% | 1.79% |
| Q4 2023 | $164.2M | $192.2M | 9.00% | 15.41% | 1.43% |
| Q1 2024 | $165.4M | $197.7M | 10.77% | 16.07% | 1.35% |
| Q2 2024 | $167.0M | $192.8M | 10.91% | 17.26% | 1.51% |
| Q3 2024 | $164.3M | $194.5M | 11.54% | 14.88% | 1.41% |
| Q4 2024 | $169.3M | $199.5M | 10.99% | 14.80% | 1.52% |
| Q1 2025 | $172.0M | $197.7M | 10.71% | 13.60% | 1.80% |
| Q2 2025 | $171.5M | $197.3M | 12.39% | 14.39% | 1.12% |
| Q3 2025 | $167.5M | $212.0M | 12.60% | 13.49% | 1.05% |
| Q4 2025 | $180.1M | $215.1M | 11.52% | 12.94% | 0.99% |
| Q1 2026 | $184.6M | $221.4M | 9.82% | 11.77% | 0.92% |
| Q2 2026 | $185.0M | $213.5M | 9.87% | 13.63% | 1.05% |
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 5186) · FFIEC NIC profile (RSSD 917854)