Farmers & Merchants Bank & Trust: 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.
Time deposits $100k to $250k climbed 36.3% in Q2 2026, from $8.5M to $11.6M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Farmers & Merchants Bank & Trust is 122nd of 153 on total deposits, $149.4M as of Q2 2026, below the middle of the field. Farmers & Merchants Bank & Trust reported $149.4M on total deposits for Q2 2026, 46% below the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $149.4M |
| Domestic office deposits | $149.4M |
| Foreign office deposits | — |
| Deposits to total assets | 85.34% |
| Deposits to total liabilities | 94.20% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $26.1M |
| Savings deposits | $31.3M |
| Transaction accounts to domestic deposits | 38.33% |
| Time deposits | $22K |
| Time deposits under $100k | $14.5M |
| Time deposits $100k to $250k | $11.6M |
| Time deposits over $250k | $7.0M |
| Noninterest-bearing share of deposits | 17.50% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $142.4M |
| Core deposits to total deposits | 95.29% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.55% |
| Interest expense on deposits | $471K |
| Loans and leases to core deposits | 87.72% |
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 | $140.2M | 95.79% | 0.00% | 1.32% |
| Q4 2023 | $142.2M | 96.02% | 0.00% | 1.43% |
| Q1 2024 | $141.7M | 95.95% | 0.00% | 1.59% |
| Q2 2024 | $137.2M | 95.95% | 0.00% | 1.70% |
| Q3 2024 | $140.3M | 96.01% | 0.00% | 1.78% |
| Q4 2024 | $145.9M | 95.71% | 0.00% | 1.68% |
| Q1 2025 | $141.9M | 95.07% | 0.00% | 1.74% |
| Q2 2025 | $141.8M | 94.89% | 0.00% | 1.74% |
| Q3 2025 | $143.8M | 94.90% | 0.00% | 1.75% |
| Q4 2025 | $146.5M | 94.94% | 0.00% | 1.66% |
| Q1 2026 | $146.6M | 95.21% | 0.00% | 1.52% |
| Q2 2026 | $149.4M | 95.29% | 0.00% | 1.55% |
Farmers & Merchants Bank & Trust deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)