Farmers and Merchants State Bank, Bloomfield, Nebraska: 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: 5.03 percentage points lower than in Q1 2026, at 74.81%. Farmers and Merchants State Bank, Bloomfield, Nebraska ranks 119th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 62.86% (Q2 2026). Farmers and Merchants State Bank, Bloomfield, Nebraska reported 62.86% on loan-to-deposit ratio for Q2 2026, 17.98 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $97.1M |
| 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 | $121K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.86% |
| Net loans and leases to deposits | 62.08% |
| Loans and leases to core deposits | 74.81% |
| Core deposits to total deposits | 77.34% |
| Brokered deposits to total deposits | 6.69% |
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 | 82.84% | 85.98% | $0 | $4.3M |
| Q4 2023 | 83.79% | 82.78% | $0 | $2.8M |
| Q1 2024 | 79.35% | 82.04% | $0 | $304K |
| Q2 2024 | 75.68% | 82.30% | $0 | $274K |
| Q3 2024 | 83.03% | 80.53% | $0 | $774K |
| Q4 2024 | 81.45% | 81.09% | $0 | $274K |
| Q1 2025 | 72.91% | 81.64% | $0 | $264K |
| Q2 2025 | 71.83% | 73.69% | $0 | $234K |
| Q3 2025 | 77.17% | 72.54% | $0 | $5.2M |
| Q4 2025 | 78.00% | 73.85% | $0 | $9.7M |
| Q1 2026 | 66.86% | 76.69% | $0 | $152K |
| Q2 2026 | 62.86% | 77.34% | $0 | $121K |
Farmers and Merchants State Bank, Bloomfield, Nebraska 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 State Bank, Bloomfield, Nebraska, 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 State Bank, Bloomfield, Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13662) · FFIEC NIC profile (RSSD 411651)