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.
Cash and balances due from depository institutions dropped 19.5% in Q2 2026, from $40.5M to $32.6M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers and Merchants Bank is 1st from the bottom among 138 Nebraska banks, 26.29% (Q2 2026). Farmers and Merchants Bank's loan-to-deposit ratio of 26.29% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 61.92 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $726.2M |
| 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 | $3.1M |
| Other borrowed money | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.29% |
| Net loans and leases to deposits | 26.18% |
| Loans and leases to core deposits | 27.56% |
| Core deposits to total deposits | 35.59% |
| Brokered deposits to total deposits | 59.79% |
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 | 34.86% | 43.04% | $220K | $45.0M |
| Q4 2023 | 34.65% | 39.87% | $220K | $45.0M |
| Q1 2024 | 32.34% | 40.74% | $2.8M | $45.0M |
| Q2 2024 | 33.32% | 39.71% | $3.9M | $45.0M |
| Q3 2024 | 33.00% | 37.86% | $3.9M | $45.0M |
| Q4 2024 | 31.61% | 35.80% | $4.4M | $45.0M |
| Q1 2025 | 28.92% | 37.29% | $4.4M | $45.0M |
| Q2 2025 | 28.55% | 36.33% | $3.4M | $45.0M |
| Q3 2025 | 29.25% | 36.51% | $3.4M | $50.0M |
| Q4 2025 | 29.77% | 35.81% | $3.5M | $45.0M |
| Q1 2026 | 26.18% | 36.44% | $3.6M | $45.0M |
| Q2 2026 | 26.29% | 35.59% | $3.1M | $45.0M |
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 16810) · FFIEC NIC profile (RSSD 455552)