Farmers and Merchants Bank of Ashland: 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: 111.1% higher than in Q1 2026, at $13.8M. Farmers and Merchants Bank of Ashland ranks 51st of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.28% (Q2 2026). Farmers and Merchants Bank of Ashland reported 90.28% on loan-to-deposit ratio for Q2 2026, 9.33 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.1M |
| 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 | $6.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.28% |
| Net loans and leases to deposits | 89.35% |
| Loans and leases to core deposits | 100.44% |
| Core deposits to total deposits | 85.84% |
| Brokered deposits to total deposits | 4.05% |
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 | 102.13% | 94.81% | $4.2M | $6.9M |
| Q4 2023 | 105.57% | 93.11% | $6.2M | $6.9M |
| Q1 2024 | 100.92% | 90.02% | $3.7M | $6.9M |
| Q2 2024 | 97.36% | 84.63% | $1.0M | $6.9M |
| Q3 2024 | 93.84% | 83.31% | $0 | $6.9M |
| Q4 2024 | 93.30% | 82.61% | $0 | $6.9M |
| Q1 2025 | 89.90% | 81.38% | $0 | $6.9M |
| Q2 2025 | 95.42% | 88.62% | $0 | $6.9M |
| Q3 2025 | 95.07% | 85.80% | $0 | $6.9M |
| Q4 2025 | 98.04% | 85.62% | $0 | $6.9M |
| Q1 2026 | 95.00% | 86.36% | $0 | $6.9M |
| Q2 2026 | 90.28% | 85.84% | $0 | $6.9M |
Farmers and Merchants Bank of Ashland 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 of Ashland, 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 of Ashland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5377) · FFIEC NIC profile (RSSD 398051)