F & M Community Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 289.2% higher than in Q1 2026, at $6.7M. F & M Community Bank, N.A. ranks 108th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 81.75% (Q2 2026). At 81.75%, F & M Community Bank, N.A.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.4M |
| Fed funds sold and reverse repos | $6.7M |
| Fed funds sold and reverse repos to assets | 3.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.75% |
| Net loans and leases to deposits | 80.72% |
| Loans and leases to core deposits | 84.92% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.20% | 97.01% | $8.6M | $11.4M |
| Q4 2023 | 82.25% | 96.45% | $5.1M | $13.4M |
| Q1 2024 | 82.45% | 96.26% | $1.7M | $13.4M |
| Q2 2024 | 81.97% | 97.02% | $960K | $13.6M |
| Q3 2024 | 77.99% | 96.77% | $0 | $11.1M |
| Q4 2024 | 78.27% | 96.16% | $0 | $10.1M |
| Q1 2025 | 79.94% | 94.96% | $0 | $10.1M |
| Q2 2025 | 82.77% | 95.16% | $0 | $13.2M |
| Q3 2025 | 83.58% | 95.38% | $0 | $11.0M |
| Q4 2025 | 82.04% | 96.08% | $0 | $10.0M |
| Q1 2026 | 84.38% | 96.77% | $2.1M | $10.0M |
| Q2 2026 | 81.75% | 96.26% | $0 | $8.4M |
F & M Community Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock F & M Community Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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 Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10967) · FFIEC NIC profile (RSSD 171759)