Farmers and Merchants State Bank of Appleton: 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: 3.04 percentage points higher than in Q1 2026, at 104.24%. Farmers and Merchants State Bank of Appleton ranks 46th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 95.07% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers and Merchants State Bank of Appleton sits 27.45 points higher, at 95.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $8.4M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.07% |
| Net loans and leases to deposits | 92.86% |
| Loans and leases to core deposits | 104.24% |
| Core deposits to total deposits | 91.21% |
| 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 | 88.61% | 96.55% | $500K | $3.0M |
| Q4 2023 | 93.99% | 93.02% | $700K | $6.0M |
| Q1 2024 | 92.33% | 92.97% | $0 | $6.1M |
| Q2 2024 | 94.99% | 92.99% | $0 | $6.1M |
| Q3 2024 | 98.51% | 92.78% | $0 | $3.1M |
| Q4 2024 | 94.39% | 93.15% | $0 | $0 |
| Q1 2025 | 92.71% | 92.60% | $0 | $0 |
| Q2 2025 | 100.50% | 92.38% | $400K | $0 |
| Q3 2025 | 103.54% | 90.64% | $1.6M | $0 |
| Q4 2025 | 101.43% | 90.73% | $0 | $1.0M |
| Q1 2026 | 92.64% | 91.54% | $0 | $0 |
| Q2 2026 | 95.07% | 91.21% | $0 | $0 |
Farmers and Merchants State Bank of Appleton 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 Appleton, 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 Appleton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8845) · FFIEC NIC profile (RSSD 269759)