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 14.89 percentage points in Q2 2026, from 138.69% to 153.58%. It was the largest change from Q1 2026 among the key lines here. F&M Bank ranks 64th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 78.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; F&M Bank reported 78.77% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.0M |
| Net loans and leases | $275.6M |
| Loans held for sale | $0 |
| Loans to total assets | 66.93% |
| Loan-to-deposit ratio | 78.77% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.61% |
| Multifamily (5+ residential) | 5.73% |
| Commercial and industrial | 7.04% |
| Consumer | 3.19% |
| Credit cards | 0.00% |
| Farm | 7.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 153.58% |
| Construction concentration (Tier 1 capital + allowance) | 97.96% |
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 | 8.15% |
| Interest income on loans | $5.5M |
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 | $208.2M | $308.7M | 22.84% | 6.62% | 4.67% |
| Q4 2023 | $220.4M | $319.4M | 22.10% | 5.93% | 5.17% |
| Q1 2024 | $225.3M | $320.3M | 21.46% | 8.02% | 4.22% |
| Q2 2024 | $235.5M | $319.6M | 20.49% | 7.47% | 4.96% |
| Q3 2024 | $241.7M | $315.2M | 19.94% | 7.19% | 4.14% |
| Q4 2024 | $243.9M | $341.0M | 20.21% | 7.26% | 4.35% |
| Q1 2025 | $248.0M | $337.1M | 19.19% | 8.08% | 4.08% |
| Q2 2025 | $258.0M | $336.9M | 17.78% | 7.49% | 3.97% |
| Q3 2025 | $266.5M | $335.3M | 17.55% | 7.04% | 3.77% |
| Q4 2025 | $276.1M | $356.1M | 16.78% | 7.45% | 3.43% |
| Q1 2026 | $275.9M | $362.2M | 17.65% | 7.29% | 3.23% |
| Q2 2026 | $281.0M | $356.8M | 17.61% | 7.04% | 3.19% |
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 16897) · FFIEC NIC profile (RSSD 510330)