Farmers & Merchants Bank of Colby: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 7.87 percentage points in Q2 2026, from 8.35% to 16.21%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Farmers & Merchants Bank of Colby is 33rd of 182 on total deposits, $511.3M as of Q2 2026, above the middle of the field. Farmers & Merchants Bank of Colby's total deposits of $511.3M is well above the $277.3M median for banks in the $100M-1B asset tier, a gap of 84% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $511.3M |
| Domestic office deposits | $511.3M |
| Foreign office deposits | — |
| Deposits to total assets | 78.57% |
| Deposits to total liabilities | 88.60% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $112.0M |
| Savings deposits | $25.7M |
| Transaction accounts to domestic deposits | 30.24% |
| Time deposits | $58K |
| Time deposits under $100k | $28.2M |
| Time deposits $100k to $250k | $128.6M |
| Time deposits over $250k | $139.8M |
| Noninterest-bearing share of deposits | 16.21% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $369.5M |
| Core deposits to total deposits | 72.27% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $81.6M |
| Brokered deposits to total deposits | 15.96% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.37% |
| Interest expense on deposits | $3.7M |
| Loans and leases to core deposits | 129.31% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $360.9M | 58.81% | 35.90% | 3.13% |
| Q4 2023 | $390.2M | 56.11% | 38.59% | 3.26% |
| Q1 2024 | $382.4M | 55.47% | 38.48% | 3.45% |
| Q2 2024 | $391.5M | 56.15% | 33.19% | 3.53% |
| Q3 2024 | $405.6M | 53.91% | 35.74% | 3.71% |
| Q4 2024 | $437.9M | 50.44% | 39.41% | 3.54% |
| Q1 2025 | $460.3M | 51.72% | 38.15% | 3.42% |
| Q2 2025 | $457.5M | 71.01% | 18.58% | 3.39% |
| Q3 2025 | $460.9M | 69.28% | 18.84% | 3.48% |
| Q4 2025 | $504.0M | 71.94% | 16.71% | 3.34% |
| Q1 2026 | $499.9M | 72.57% | 16.02% | 3.19% |
| Q2 2026 | $511.3M | 72.27% | 15.96% | 3.37% |
Farmers & Merchants Bank of Colby deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Colby, freeSource: Call Report Schedules RC-E and RC-O, 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 & Merchants Bank of Colby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)