Farmers and Mechanics Federal Savings Bank: 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 Cash and balances due from depository institutions: 13.1% lower than in Q1 2026, at $9.8M. Within Indiana, Farmers and Mechanics Federal Savings Bank is 77th of 87 on loan-to-deposit ratio, 61.29% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Mechanics Federal Savings Bank sits 19.55 points lower, at 61.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.29% |
| Net loans and leases to deposits | 61.04% |
| Loans and leases to core deposits | 66.00% |
| Core deposits to total deposits | 83.69% |
| Brokered deposits to total deposits | 9.17% |
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 | 64.22% | 92.17% | $0 | $19.5M |
| Q4 2023 | 60.84% | 92.12% | $0 | $16.5M |
| Q1 2024 | 57.52% | 94.02% | $0 | $10.5M |
| Q2 2024 | 59.04% | 90.69% | $0 | $10.5M |
| Q3 2024 | 58.03% | 90.65% | $0 | $7.0M |
| Q4 2024 | 60.36% | 83.44% | $0 | $7.0M |
| Q1 2025 | 59.87% | 84.89% | $0 | $5.0M |
| Q2 2025 | 63.80% | 85.44% | $0 | $6.0M |
| Q3 2025 | 67.01% | 85.43% | $0 | $6.0M |
| Q4 2025 | 62.40% | 83.30% | $0 | $1.0M |
| Q1 2026 | 60.73% | 84.64% | $0 | $2.0M |
| Q2 2026 | 61.29% | 83.69% | $0 | $2.0M |
Farmers and Mechanics Federal Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Mechanics Federal Savings Bank, 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 Farmers and Mechanics Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28478) · FFIEC NIC profile (RSSD 412872)