First Farmers & Merchants State Bank of Grand Meadow: 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 climbed 12.39 percentage points in Q2 2026, from 79.42% to 91.81%. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants State Bank of Grand Meadow ranks 57th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 91.81% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Farmers & Merchants State Bank of Grand Meadow sits 24.18 points higher, at 91.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.4M |
| Net loans and leases | $75.3M |
| Loans held for sale | $0 |
| Loans to total assets | 82.12% |
| Loan-to-deposit ratio | 91.81% |
| Net loans to equity capital | 8.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.14% |
| Multifamily (5+ residential) | 3.57% |
| Commercial and industrial | 11.54% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 31.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 85.32% |
| Construction concentration (Tier 1 capital + allowance) | 28.94% |
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 | 6.87% |
| Interest income on loans | $1.3M |
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 | $64.6M | $83.9M | 13.86% | 19.48% | 0.45% |
| Q4 2023 | $68.2M | $84.6M | 14.03% | 19.14% | 0.39% |
| Q1 2024 | $70.4M | $74.3M | 14.33% | 18.42% | 0.38% |
| Q2 2024 | $70.4M | $72.7M | 13.26% | 18.87% | 0.41% |
| Q3 2024 | $67.5M | $77.9M | 13.77% | 17.41% | 0.43% |
| Q4 2024 | $68.8M | $86.4M | 13.41% | 16.05% | 0.37% |
| Q1 2025 | $72.1M | $83.6M | 12.62% | 16.26% | 0.27% |
| Q2 2025 | $71.5M | $86.8M | 14.73% | 14.70% | 0.34% |
| Q3 2025 | $69.3M | $85.3M | 13.86% | 14.40% | 0.37% |
| Q4 2025 | $70.7M | $88.0M | 13.40% | 13.03% | 0.41% |
| Q1 2026 | $71.5M | $90.1M | 12.99% | 11.99% | 0.43% |
| Q2 2026 | $76.4M | $83.2M | 12.14% | 11.54% | 0.51% |
First Farmers & Merchants State Bank of Grand Meadow loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants State Bank of Grand Meadow, 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 State Bank of Grand Meadow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15621) · FFIEC NIC profile (RSSD 77150)