The Farmers and Merchants Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 2.55 percentage points in Q2 2026, from 18.64% to 16.09%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Farmers and Merchants Bank is 68th of 87 on total deposits, $194.0M as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $279.6M on total deposits. The Farmers and Merchants Bank sits 31% lower, at $194.0M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $194.0M |
| Domestic office deposits | $194.0M |
| Foreign office deposits | — |
| Deposits to total assets | 90.89% |
| Deposits to total liabilities | 99.25% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $31.2M |
| Savings deposits | $20.6M |
| Transaction accounts to domestic deposits | 49.79% |
| Time deposits | $30K |
| Time deposits under $100k | $10.4M |
| Time deposits $100k to $250k | $13.7M |
| Time deposits over $250k | $33.3M |
| Noninterest-bearing share of deposits | 16.09% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $160.6M |
| Core deposits to total deposits | 82.82% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.64% |
| Interest expense on deposits | $661K |
| Loans and leases to core deposits | 88.48% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $182.7M | 84.58% | 0.00% | 1.40% |
| Q4 2023 | $184.1M | 86.26% | 0.00% | 1.56% |
| Q1 2024 | $177.7M | 85.99% | 0.00% | 1.63% |
| Q2 2024 | $188.3M | 84.18% | 0.00% | 1.76% |
| Q3 2024 | $179.0M | 82.41% | 0.00% | 1.96% |
| Q4 2024 | $182.6M | 82.42% | 0.00% | 1.95% |
| Q1 2025 | $192.7M | 83.54% | 0.00% | 2.10% |
| Q2 2025 | $188.0M | 82.86% | 0.00% | 1.79% |
| Q3 2025 | $179.8M | 80.59% | 0.00% | 1.87% |
| Q4 2025 | $183.9M | 81.08% | 0.00% | 1.81% |
| Q1 2026 | $195.6M | 82.41% | 0.00% | 1.72% |
| Q2 2026 | $194.0M | 82.82% | 0.00% | 1.64% |
The Farmers and Merchants Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 The Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1843) · FFIEC NIC profile (RSSD 629746)