Merchants & Farmers Bank of Greene County: 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 Construction concentration (Tier 1 capital + allowance): 3.60 percentage points higher than in Q1 2026, at 10.92%. Within Alabama, Merchants & Farmers Bank of Greene County is 46th of 93 on loan-to-deposit ratio, 68.95% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Merchants & Farmers Bank of Greene County sits 11.89 points lower, at 68.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.0M |
| Net loans and leases | $82.0M |
| Loans held for sale | $0 |
| Loans to total assets | 61.10% |
| Loan-to-deposit ratio | 68.95% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.03% |
| Multifamily (5+ residential) | 3.92% |
| Commercial and industrial | 12.79% |
| Consumer | 12.29% |
| Credit cards | 0.00% |
| Farm | 13.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.36% |
| Construction concentration (Tier 1 capital + allowance) | 10.92% |
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 | 6.56% |
| Interest income on loans | $1.4M |
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 | $70.0M | $96.4M | 22.26% | 15.69% | 16.32% |
| Q4 2023 | $70.0M | $106.4M | 22.46% | 15.76% | 15.65% |
| Q1 2024 | $70.5M | $103.4M | 22.04% | 17.42% | 15.10% |
| Q2 2024 | $71.9M | $103.0M | 21.75% | 17.90% | 15.22% |
| Q3 2024 | $72.6M | $108.0M | 21.39% | 18.08% | 15.39% |
| Q4 2024 | $72.6M | $113.4M | 23.19% | 18.46% | 15.14% |
| Q1 2025 | $72.4M | $110.0M | 22.73% | 18.67% | 14.71% |
| Q2 2025 | $73.3M | $109.4M | 25.25% | 17.77% | 14.66% |
| Q3 2025 | $73.9M | $112.4M | 26.55% | 16.36% | 14.51% |
| Q4 2025 | $77.1M | $113.3M | 25.38% | 15.88% | 13.25% |
| Q1 2026 | $82.1M | $121.3M | 25.52% | 14.36% | 12.50% |
| Q2 2026 | $83.0M | $120.4M | 25.03% | 12.79% | 12.29% |
Merchants & Farmers Bank of Greene County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank of Greene County, 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 & Farmers Bank of Greene County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 855) · FFIEC NIC profile (RSSD 376237)