F&M Bank and Trust Company: 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 22.27 percentage points in Q2 2026, from 82.45% to 104.72%. It was the largest change from Q1 2026 among the key lines here. F&M Bank and Trust Company ranks 133rd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 75.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. F&M Bank and Trust Company sits 5.08 points lower, at 75.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $124.5M |
| Net loans and leases | $123.2M |
| Loans held for sale | $543K |
| Loans to total assets | 68.27% |
| Loan-to-deposit ratio | 75.76% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.29% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 13.03% |
| Consumer | 2.42% |
| Credit cards | 0.00% |
| Farm | 2.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.72% |
| Construction concentration (Tier 1 capital + allowance) | 33.40% |
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 | 6.47% |
| Interest income on loans | $2.0M |
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 | $112.9M | $160.8M | 37.14% | 13.10% | 2.93% |
| Q4 2023 | $115.3M | $167.1M | 37.49% | 12.45% | 2.77% |
| Q1 2024 | $115.4M | $169.6M | 37.33% | 12.61% | 2.62% |
| Q2 2024 | $111.3M | $163.3M | 37.47% | 11.47% | 2.73% |
| Q3 2024 | $112.3M | $164.3M | 34.26% | 12.56% | 2.64% |
| Q4 2024 | $111.1M | $161.8M | 31.44% | 13.19% | 2.83% |
| Q1 2025 | $113.0M | $170.9M | 32.80% | 12.45% | 2.58% |
| Q2 2025 | $115.3M | $166.7M | 33.95% | 12.08% | 2.69% |
| Q3 2025 | $117.3M | $168.6M | 33.05% | 12.59% | 2.61% |
| Q4 2025 | $117.5M | $164.6M | 33.00% | 12.15% | 2.54% |
| Q1 2026 | $120.3M | $170.1M | 33.43% | 13.57% | 2.39% |
| Q2 2026 | $124.5M | $164.3M | 33.29% | 13.03% | 2.42% |
F&M Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30595) · FFIEC NIC profile (RSSD 413673)