Farmers and Merchants State Bank of Pierz: 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.
Net loans and leases to deposits climbed 1.81 percentage points in Q2 2026, from 68.93% to 70.74%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants State Bank of Pierz ranks 155th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 71.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Merchants State Bank of Pierz sits 9.15 points lower, at 71.69% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.6M |
| Fed funds sold and reverse repos | $85K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.0M |
| 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 | 71.69% |
| Net loans and leases to deposits | 70.74% |
| Loans and leases to core deposits | 75.69% |
| Core deposits to total deposits | 94.71% |
| 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 | 70.51% | 94.97% | $0 | $0 |
| Q4 2023 | 72.59% | 94.00% | $0 | $0 |
| Q1 2024 | 74.18% | 93.33% | $5.5M | $0 |
| Q2 2024 | 73.85% | 92.17% | $2.0M | $0 |
| Q3 2024 | 68.85% | 92.74% | $0 | $2.0M |
| Q4 2024 | 71.74% | 92.93% | $0 | $2.0M |
| Q1 2025 | 74.17% | 93.40% | $0 | $2.0M |
| Q2 2025 | 67.12% | 94.82% | $0 | $0 |
| Q3 2025 | 67.45% | 95.31% | $0 | $0 |
| Q4 2025 | 68.07% | 94.38% | $0 | $0 |
| Q1 2026 | 69.92% | 94.59% | $0 | $0 |
| Q2 2026 | 71.69% | 94.71% | $3.0M | $0 |
Farmers and Merchants State Bank of Pierz 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 Pierz, 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 Pierz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10165) · FFIEC NIC profile (RSSD 728957)