Farmers and Merchants 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.
Fed funds sold and reverse repos climbed 22.5% in Q3 2026, from $14.3M to $17.5M. It was the largest change from Q2 2026 among the key lines here. Farmers and Merchants Bank ranks 65th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 73.63% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers and Merchants Bank sits 7.31 points lower, at 73.63% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.8M |
| Fed funds sold and reverse repos | $17.5M |
| Fed funds sold and reverse repos to assets | 5.73% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.63% |
| Net loans and leases to deposits | 73.09% |
| Loans and leases to core deposits | 74.31% |
| Core deposits to total deposits | 99.08% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 62.61% | 99.82% | $0 | $0 |
| Q1 2024 | 63.14% | 99.83% | $0 | $0 |
| Q2 2024 | 64.19% | 99.72% | $0 | $0 |
| Q3 2024 | 69.14% | 99.71% | $0 | $0 |
| Q4 2024 | 71.40% | 99.56% | $0 | $0 |
| Q1 2025 | 65.77% | 99.35% | $0 | $0 |
| Q2 2025 | 63.80% | 98.93% | $0 | $0 |
| Q3 2025 | 65.01% | 98.95% | $0 | $0 |
| Q4 2025 | 66.87% | 98.82% | $0 | $0 |
| Q1 2026 | 66.24% | 98.85% | $0 | $0 |
| Q2 2026 | 73.41% | 99.09% | $0 | $0 |
| Q3 2026 | 73.63% | 99.08% | $0 | $0 |
Farmers and Merchants 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 Merchants 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 Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13801) · FFIEC NIC profile (RSSD 372640)