FM 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.
Loans to total assets dropped 1.92 percentage points in Q2 2026, from 68.90% to 66.98%. It was the largest change from Q1 2026 among the key lines here. FM Bank ranks 124th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.75% (Q2 2026). FM Bank reported 77.75% on loan-to-deposit ratio for Q2 2026, 3.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $494.6M |
| Net loans and leases | $491.7M |
| Loans held for sale | $0 |
| Loans to total assets | 66.98% |
| Loan-to-deposit ratio | 77.75% |
| Net loans to equity capital | 8.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.01% |
| Multifamily (5+ residential) | 2.91% |
| Commercial and industrial | 7.20% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 26.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.01% |
| Construction concentration (Tier 1 capital + allowance) | 46.19% |
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 | $7.9M |
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 | $306.7M | $540.9M | 10.48% | 8.49% | 0.69% |
| Q4 2023 | $332.6M | $553.5M | 9.85% | 8.71% | 0.66% |
| Q1 2024 | $339.9M | $566.0M | 10.44% | 10.07% | 0.61% |
| Q2 2024 | $364.0M | $574.7M | 10.30% | 10.41% | 0.71% |
| Q3 2024 | $368.0M | $567.0M | 10.55% | 9.82% | 0.69% |
| Q4 2024 | $402.2M | $598.3M | 10.04% | 9.45% | 0.61% |
| Q1 2025 | $409.3M | $587.8M | 10.23% | 8.86% | 0.60% |
| Q2 2025 | $425.4M | $602.4M | 9.87% | 8.67% | 0.86% |
| Q3 2025 | $444.7M | $576.6M | 10.04% | 8.22% | 0.80% |
| Q4 2025 | $468.0M | $620.7M | 10.31% | 8.13% | 0.73% |
| Q1 2026 | $484.1M | $626.6M | 10.04% | 7.61% | 0.69% |
| Q2 2026 | $494.6M | $636.1M | 10.01% | 7.20% | 0.88% |
FM Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FM 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 FM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10998) · FFIEC NIC profile (RSSD 20857)