Farmers and Merchants State Bank of Bushnell: 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.
Cash and balances due from depository institutions fell 7.1% from Q1 2026 to Q2 2026, ending at $14.1M against $15.2M. It was the largest change among the key lines on this page. On loan-to-deposit ratio, Farmers and Merchants State Bank of Bushnell is 33rd from the bottom among 323 Illinois banks, 48.50% (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 Bushnell sits 19.12 points lower, at 48.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.3M |
| Fed funds sold and reverse repos | $1.0M |
| Fed funds sold and reverse repos to assets | 1.16% |
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 | 48.50% |
| Net loans and leases to deposits | 48.10% |
| Loans and leases to core deposits | 49.72% |
| Core deposits to total deposits | 97.55% |
| 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 | 45.78% | 100.00% | $0 | $0 |
| Q4 2023 | 46.26% | 99.66% | $0 | $0 |
| Q1 2024 | 47.14% | 99.64% | $0 | $0 |
| Q2 2024 | 50.74% | 99.28% | $0 | $1.0M |
| Q3 2024 | 50.04% | 99.06% | $0 | $0 |
| Q4 2024 | 51.93% | 99.08% | $0 | $0 |
| Q1 2025 | 49.12% | 98.75% | $0 | $0 |
| Q2 2025 | 50.05% | 98.97% | $0 | $0 |
| Q3 2025 | 51.81% | 98.55% | $0 | $0 |
| Q4 2025 | 49.61% | 98.61% | $0 | $0 |
| Q1 2026 | 48.98% | 97.67% | $0 | $0 |
| Q2 2026 | 48.50% | 97.55% | $0 | $0 |
Farmers and Merchants State Bank of Bushnell 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 Bushnell, 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 Bushnell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11324) · FFIEC NIC profile (RSSD 321330)