FMS 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 CRE concentration (Tier 1 capital + allowance): 13.88 percentage points lower than in Q1 2026, at 98.55%. FMS Bank ranks 23rd of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 90.12% (Q2 2026). FMS Bank reported 90.12% on loan-to-deposit ratio for Q2 2026, 9.57 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $263.0M |
| Net loans and leases | $258.9M |
| Loans held for sale | $0 |
| Loans to total assets | 80.96% |
| Loan-to-deposit ratio | 90.12% |
| Net loans to equity capital | 8.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.57% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 21.46% |
| Consumer | 10.45% |
| Credit cards | 0.00% |
| Farm | 3.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.55% |
| Construction concentration (Tier 1 capital + allowance) | 28.52% |
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 | 8.16% |
| Interest income on loans | $5.4M |
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 | $220.1M | $226.6M | 31.78% | 21.62% | 16.47% |
| Q4 2023 | $222.1M | $244.8M | 31.50% | 21.38% | 16.23% |
| Q1 2024 | $221.4M | $259.6M | 31.92% | 19.49% | 15.24% |
| Q2 2024 | $220.4M | $255.5M | 31.63% | 20.46% | 14.81% |
| Q3 2024 | $225.2M | $275.8M | 30.20% | 21.82% | 14.49% |
| Q4 2024 | $233.0M | $290.7M | 31.89% | 21.85% | 14.18% |
| Q1 2025 | $231.6M | $285.8M | 32.08% | 20.64% | 13.99% |
| Q2 2025 | $246.8M | $278.2M | 30.72% | 21.32% | 12.80% |
| Q3 2025 | $256.2M | $304.9M | 29.37% | 21.77% | 12.45% |
| Q4 2025 | $260.4M | $305.3M | 32.23% | 22.25% | 11.90% |
| Q1 2026 | $256.6M | $315.2M | 34.69% | 19.92% | 11.36% |
| Q2 2026 | $263.0M | $291.8M | 35.57% | 21.46% | 10.45% |
FMS Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FMS 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 FMS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23764) · FFIEC NIC profile (RSSD 257756)