Farmers and Merchants State Bank of Alpha: 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 Fed funds sold and reverse repos to assets: 2.40 percentage points lower than in Q1 2026, at 8.93%. Farmers and Merchants State Bank of Alpha ranks 139th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 74.06% (Q2 2026). Farmers and Merchants State Bank of Alpha reported 74.06% on loan-to-deposit ratio for Q2 2026, 6.43 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.2M |
| Fed funds sold and reverse repos | $4.2M |
| Fed funds sold and reverse repos to assets | 8.93% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $756K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.06% |
| Net loans and leases to deposits | 73.24% |
| Loans and leases to core deposits | 80.30% |
| Core deposits to total deposits | 92.23% |
| 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 | 78.37% | 90.93% | $0 | $0 |
| Q4 2023 | 68.73% | 93.09% | $0 | $0 |
| Q1 2024 | 70.84% | 87.09% | $0 | $0 |
| Q2 2024 | 76.02% | 86.41% | $3.9M | $0 |
| Q3 2024 | 72.41% | 80.31% | $0 | $0 |
| Q4 2024 | 78.48% | 92.99% | $0 | $0 |
| Q1 2025 | 73.11% | 91.92% | $0 | $756K |
| Q2 2025 | 72.14% | 91.35% | $0 | $756K |
| Q3 2025 | 76.65% | 91.39% | $0 | $756K |
| Q4 2025 | 74.28% | 91.44% | $0 | $756K |
| Q1 2026 | 74.00% | 93.08% | $0 | $756K |
| Q2 2026 | 74.06% | 92.23% | $0 | $756K |
Farmers and Merchants State Bank of Alpha 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 of Alpha, 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 of Alpha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10571) · FFIEC NIC profile (RSSD 388753)