Farmers & Merchants Bank of Colby: 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: 41.9% lower than in Q1 2026, at $7.7M. Within Kansas, Farmers & Merchants Bank of Colby is 29th of 182 on loan-to-deposit ratio, 93.96% as of Q2 2026, above the middle of the field. Farmers & Merchants Bank of Colby reported 93.96% on loan-to-deposit ratio for Q2 2026, 13.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.5M |
| Fed funds sold and reverse repos | $7.7M |
| Fed funds sold and reverse repos to assets | 1.18% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.1M |
| Other borrowed money | $55.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.96% |
| Net loans and leases to deposits | 93.03% |
| Loans and leases to core deposits | 129.31% |
| Core deposits to total deposits | 72.27% |
| Brokered deposits to total deposits | 15.96% |
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 | 92.50% | 58.81% | $12.6M | $46.4M |
| Q4 2023 | 88.28% | 56.11% | $16.2M | $46.6M |
| Q1 2024 | 94.94% | 55.47% | $13.4M | $53.4M |
| Q2 2024 | 95.38% | 56.15% | $8.0M | $57.3M |
| Q3 2024 | 96.49% | 53.91% | $7.9M | $63.0M |
| Q4 2024 | 90.05% | 50.44% | $7.6M | $61.3M |
| Q1 2025 | 89.78% | 51.72% | $8.1M | $56.8M |
| Q2 2025 | 95.24% | 71.01% | $7.8M | $58.8M |
| Q3 2025 | 95.57% | 69.28% | $6.6M | $57.7M |
| Q4 2025 | 91.24% | 71.94% | $6.6M | $57.0M |
| Q1 2026 | 92.58% | 72.57% | $6.4M | $55.9M |
| Q2 2026 | 93.96% | 72.27% | $7.1M | $55.4M |
Farmers & Merchants Bank of Colby liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Colby, 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 & Merchants Bank of Colby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34719) · FFIEC NIC profile (RSSD 2667939)