The 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.
Other borrowed money dropped 66.7% in Q2 2026, from $1.5M to $500K. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Farmers and Merchants Bank is 66th of 87 on loan-to-deposit ratio, 73.28% as of Q2 2026, below the middle of the field. The Farmers and Merchants Bank reported 73.28% on loan-to-deposit ratio for Q2 2026, 7.67 points below 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 | $19.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $66.2M |
| Fed funds sold and reverse repos | $12.7M |
| Fed funds sold and reverse repos to assets | 5.96% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $500K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.28% |
| Net loans and leases to deposits | 72.43% |
| Loans and leases to core deposits | 88.48% |
| Core deposits to total deposits | 82.82% |
| 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 | 56.67% | 84.58% | $0 | $3.5M |
| Q4 2023 | 61.87% | 86.26% | $0 | $3.5M |
| Q1 2024 | 66.32% | 85.99% | $0 | $3.5M |
| Q2 2024 | 64.19% | 84.18% | $0 | $1.5M |
| Q3 2024 | 70.71% | 82.41% | $0 | $11.0M |
| Q4 2024 | 70.72% | 82.42% | $0 | $9.0M |
| Q1 2025 | 67.46% | 83.54% | $0 | $1.5M |
| Q2 2025 | 72.36% | 82.86% | $0 | $1.5M |
| Q3 2025 | 77.37% | 80.59% | $408K | $7.5M |
| Q4 2025 | 77.34% | 81.08% | $0 | $8.5M |
| Q1 2026 | 72.16% | 82.41% | $0 | $1.5M |
| Q2 2026 | 73.28% | 82.82% | $0 | $500K |
The 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 The 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 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)