Merchants and 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.64 percentage points higher than in Q1 2026, at 91.42%. Merchants and Farmers Bank ranks 27th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 91.42% (Q2 2026). Merchants and Farmers Bank reported 91.42% on loan-to-deposit ratio for Q2 2026, 10.58 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.9M |
| Net loans and leases | $230.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.61% |
| Loan-to-deposit ratio | 91.42% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.46% |
| Multifamily (5+ residential) | 2.04% |
| Commercial and industrial | 13.87% |
| Consumer | 2.14% |
| Credit cards | 0.10% |
| Farm | 3.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 234.54% |
| Construction concentration (Tier 1 capital + allowance) | 172.79% |
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 | 7.52% |
| Interest income on loans | $4.3M |
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 | $199.2M | $210.8M | 19.89% | 13.51% | 1.95% |
| Q4 2023 | $190.0M | $200.7M | 19.79% | 14.17% | 2.06% |
| Q1 2024 | $193.8M | $199.7M | 20.03% | 13.87% | 2.07% |
| Q2 2024 | $198.6M | $210.9M | 20.23% | 14.01% | 2.39% |
| Q3 2024 | $207.8M | $217.3M | 19.28% | 12.41% | 2.32% |
| Q4 2024 | $208.9M | $216.6M | 19.91% | 12.66% | 2.42% |
| Q1 2025 | $207.5M | $221.8M | 19.01% | 13.13% | 2.53% |
| Q2 2025 | $219.1M | $231.8M | 19.63% | 12.60% | 2.34% |
| Q3 2025 | $227.2M | $238.6M | 18.28% | 11.53% | 2.36% |
| Q4 2025 | $221.2M | $231.2M | 18.17% | 15.11% | 2.32% |
| Q1 2026 | $224.1M | $252.4M | 20.17% | 14.85% | 2.25% |
| Q2 2026 | $233.9M | $255.9M | 19.46% | 13.87% | 2.14% |
Merchants and Farmers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and 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 Merchants and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8735) · FFIEC NIC profile (RSSD 644842)