F&M 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.
Cre concentration (tier 1 capital + allowance) climbed 9.90 percentage points in Q2 2026, from 146.29% to 156.19%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, F&M Bank is 70th of 169 on loan-to-deposit ratio, 82.03% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; F&M Bank reported 82.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $655.4M |
| Net loans and leases | $648.0M |
| Loans held for sale | $3.5M |
| Loans to total assets | 71.61% |
| Loan-to-deposit ratio | 82.03% |
| Net loans to equity capital | 6.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.07% |
| Multifamily (5+ residential) | 2.41% |
| Commercial and industrial | 16.81% |
| Consumer | 1.24% |
| Credit cards | 0.00% |
| Farm | 4.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 17.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.19% |
| Construction concentration (Tier 1 capital + allowance) | 83.79% |
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 | 6.93% |
| Interest income on loans | $11.3M |
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 | $442.8M | $581.6M | 25.32% | 19.41% | 2.04% |
| Q4 2023 | $504.3M | $639.0M | 26.17% | 20.17% | 1.77% |
| Q1 2024 | $511.9M | $654.0M | 25.62% | 21.58% | 1.84% |
| Q2 2024 | $506.4M | $646.4M | 25.73% | 22.47% | 1.78% |
| Q3 2024 | $550.9M | $644.2M | 24.87% | 22.01% | 1.37% |
| Q4 2024 | $562.6M | $641.6M | 24.64% | 22.27% | 1.31% |
| Q1 2025 | $541.4M | $654.9M | 23.00% | 21.52% | 1.29% |
| Q2 2025 | $564.5M | $652.9M | 22.19% | 21.96% | 1.21% |
| Q3 2025 | $577.9M | $622.9M | 21.82% | 21.89% | 1.18% |
| Q4 2025 | $604.6M | $667.8M | 20.48% | 18.75% | 1.13% |
| Q1 2026 | $670.0M | $789.5M | 18.63% | 19.60% | 1.32% |
| Q2 2026 | $655.4M | $799.0M | 21.07% | 16.81% | 1.24% |
F&M Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12761) · FFIEC NIC profile (RSSD 163857)