Farmers & Merchants Bank of North Dakota: 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 to assets: 4.11 percentage points lower than in Q1 2026, at 21.70%. Within North Dakota, Farmers & Merchants Bank of North Dakota is 54th of 60 on loan-to-deposit ratio, 44.07% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers & Merchants Bank of North Dakota sits 36.77 points lower, at 44.07% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $68.5M |
| Fed funds sold and reverse repos | $26.0M |
| Fed funds sold and reverse repos to assets | 21.70% |
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 | 44.07% |
| Net loans and leases to deposits | 43.63% |
| Loans and leases to core deposits | 48.53% |
| Core deposits to total deposits | 90.79% |
| Brokered deposits to total deposits | 0.01% |
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 | 57.33% | 94.02% | $1.2M | $0 |
| Q4 2023 | 55.62% | 93.76% | $1.5M | $0 |
| Q1 2024 | 52.30% | 91.33% | $0 | $0 |
| Q2 2024 | 57.09% | 91.61% | $0 | $0 |
| Q3 2024 | 58.88% | 90.75% | $0 | $0 |
| Q4 2024 | 54.54% | 90.92% | $0 | $0 |
| Q1 2025 | 47.85% | 90.40% | $0 | $0 |
| Q2 2025 | 49.71% | 90.41% | $0 | $0 |
| Q3 2025 | 55.39% | 89.48% | $0 | $0 |
| Q4 2025 | 51.08% | 89.82% | $0 | $0 |
| Q1 2026 | 40.21% | 90.46% | $0 | $0 |
| Q2 2026 | 44.07% | 90.79% | $0 | $0 |
Farmers & Merchants Bank of North Dakota 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 North Dakota, 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 North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8640) · FFIEC NIC profile (RSSD 954158)