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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.21 percentage points higher than in Q1 2026, at 49.14%. On loan-to-deposit ratio, F&M Bank is 8th from the bottom among 138 Nebraska banks, 49.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. F&M Bank sits 31.70 points lower, at 49.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.6M |
| Net loans and leases | $55.4M |
| Loans held for sale | $0 |
| Loans to total assets | 41.80% |
| Loan-to-deposit ratio | 49.14% |
| Net loans to equity capital | 3.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.77% |
| Consumer | 3.31% |
| Credit cards | 0.00% |
| Farm | 37.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.76% |
| Construction concentration (Tier 1 capital + allowance) | 16.77% |
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 | 5.76% |
| Interest income on loans | $809K |
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 | $61.7M | $114.5M | 13.74% | 6.92% | 3.15% |
| Q4 2023 | $64.8M | $114.2M | 12.89% | 6.21% | 3.23% |
| Q1 2024 | $63.7M | $104.1M | 12.94% | 7.03% | 3.48% |
| Q2 2024 | $62.7M | $110.2M | 13.04% | 6.89% | 3.41% |
| Q3 2024 | $60.3M | $112.8M | 13.31% | 6.93% | 3.64% |
| Q4 2024 | $64.2M | $116.5M | 12.35% | 7.10% | 3.53% |
| Q1 2025 | $60.1M | $113.6M | 13.26% | 6.76% | 3.62% |
| Q2 2025 | $60.7M | $128.4M | 12.86% | 7.42% | 3.51% |
| Q3 2025 | $59.6M | $107.5M | 12.92% | 7.32% | 3.68% |
| Q4 2025 | $60.9M | $110.4M | 8.23% | 6.53% | 3.39% |
| Q1 2026 | $56.2M | $122.4M | 8.81% | 9.33% | 3.57% |
| Q2 2026 | $56.6M | $115.1M | 9.00% | 6.77% | 3.31% |
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 5401) · FFIEC NIC profile (RSSD 259059)