Independent Farmers 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.
Loan-to-deposit ratio climbed 5.95 percentage points in Q2 2026, from 61.01% to 66.96%. It was the largest change from Q1 2026 among the key lines here. Independent Farmers Bank ranks 163rd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 66.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Independent Farmers Bank sits 13.88 points lower, at 66.96% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.3M |
| Net loans and leases | $87.3M |
| Loans held for sale | $0 |
| Loans to total assets | 60.29% |
| Loan-to-deposit ratio | 66.96% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.90% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.61% |
| Consumer | 4.46% |
| Credit cards | 0.00% |
| Farm | 19.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.85% |
| Construction concentration (Tier 1 capital + allowance) | 2.32% |
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 | 7.62% |
| Interest income on loans | $1.7M |
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 | $83.2M | $134.8M | 12.49% | 16.30% | 6.32% |
| Q4 2023 | $82.6M | $143.8M | 12.42% | 18.00% | 6.49% |
| Q1 2024 | $84.4M | $142.7M | 12.12% | 17.52% | 6.52% |
| Q2 2024 | $86.6M | $137.0M | 12.07% | 16.60% | 6.26% |
| Q3 2024 | $87.0M | $129.1M | 13.32% | 16.53% | 6.01% |
| Q4 2024 | $87.8M | $138.7M | 13.33% | 16.99% | 5.61% |
| Q1 2025 | $86.9M | $137.9M | 13.88% | 17.56% | 5.19% |
| Q2 2025 | $85.8M | $135.2M | 14.18% | 18.65% | 5.17% |
| Q3 2025 | $83.5M | $129.9M | 14.36% | 17.44% | 5.23% |
| Q4 2025 | $80.4M | $137.9M | 14.97% | 18.00% | 5.17% |
| Q1 2026 | $86.4M | $141.6M | 14.86% | 16.89% | 4.69% |
| Q2 2026 | $88.3M | $131.9M | 14.90% | 16.61% | 4.46% |
Independent Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Farmers 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 Independent Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11462) · FFIEC NIC profile (RSSD 956152)