FM Bank and Trust: 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) dropped 12.69 percentage points in Q2 2026, from 158.77% to 146.09%. It was the largest change from Q1 2026 among the key lines here. FM Bank and Trust ranks 24th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 93.27% (Q2 2026). FM Bank and Trust reported 93.27% on loan-to-deposit ratio for Q2 2026, 5.07 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.12B |
| Net loans and leases | $1.11B |
| Loans held for sale | $618K |
| Loans to total assets | 82.33% |
| Loan-to-deposit ratio | 93.27% |
| Net loans to equity capital | 10.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.53% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 11.80% |
| Consumer | 2.73% |
| Credit cards | 0.00% |
| Farm | 15.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.09% |
| Construction concentration (Tier 1 capital + allowance) | 56.12% |
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 | 6.81% |
| Interest income on loans | $18.8M |
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 | $315.9M | $343.2M | 18.67% | 16.42% | 2.76% |
| Q4 2023 | $301.5M | $352.8M | 19.85% | 17.12% | 2.92% |
| Q1 2024 | $311.0M | $370.7M | 18.98% | 17.23% | 2.85% |
| Q2 2024 | $332.2M | $371.8M | 18.40% | 16.27% | 2.72% |
| Q3 2024 | $357.6M | $391.4M | 19.53% | 14.84% | 2.55% |
| Q4 2024 | $344.4M | $391.1M | 21.28% | 15.92% | 2.69% |
| Q1 2025 | $437.3M | $523.5M | 18.46% | 16.14% | 4.09% |
| Q2 2025 | $466.4M | $509.7M | 19.06% | 14.64% | 3.71% |
| Q3 2025 | $488.0M | $513.6M | 19.69% | 13.32% | 3.38% |
| Q4 2025 | $465.1M | $534.3M | 21.46% | 13.93% | 3.52% |
| Q1 2026 | $1.09B | $1.17B | 18.21% | 12.46% | 2.89% |
| Q2 2026 | $1.12B | $1.20B | 17.53% | 11.80% | 2.73% |
FM Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FM Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1027) · FFIEC NIC profile (RSSD 33147)