Farmers and Merchants Bank of Mound City, Kansas: 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 Loans and leases to core deposits: 4.90 percentage points lower than in Q1 2026, at 84.14%. Farmers and Merchants Bank of Mound City, Kansas ranks 136th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 61.15% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers and Merchants Bank of Mound City, Kansas sits 6.47 points lower, at 61.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.5M |
| 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 | $735K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.15% |
| Net loans and leases to deposits | 60.44% |
| Loans and leases to core deposits | 84.14% |
| Core deposits to total deposits | 72.67% |
| 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 | 75.05% | 85.08% | $0 | $1.7M |
| Q4 2023 | 70.72% | 77.38% | $0 | $980K |
| Q1 2024 | 71.79% | 79.18% | $0 | $980K |
| Q2 2024 | 72.30% | 79.40% | $0 | $980K |
| Q3 2024 | 74.38% | 80.02% | $0 | $980K |
| Q4 2024 | 73.08% | 78.75% | $0 | $980K |
| Q1 2025 | 71.90% | 78.84% | $0 | $980K |
| Q2 2025 | 68.14% | 72.75% | $0 | $980K |
| Q3 2025 | 69.25% | 73.98% | $0 | $735K |
| Q4 2025 | 71.56% | 74.09% | $0 | $735K |
| Q1 2026 | 63.70% | 71.54% | $0 | $735K |
| Q2 2026 | 61.15% | 72.67% | $0 | $735K |
Farmers and Merchants Bank of Mound City, Kansas 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 Mound City, Kansas, 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 Mound City, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14024) · FFIEC NIC profile (RSSD 274052)