Farmers & Merchants Bank & Trust: 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: 76.8% lower than in Q1 2026, at $733K. Farmers & Merchants Bank & Trust ranks 97th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 83.58% (Q2 2026). Farmers & Merchants Bank & Trust reported 83.58% on loan-to-deposit ratio for Q2 2026, 2.75 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 | $4.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.4M |
| Fed funds sold and reverse repos | $733K |
| Fed funds sold and reverse repos to assets | 0.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.58% |
| Net loans and leases to deposits | 82.73% |
| Loans and leases to core deposits | 87.72% |
| Core deposits to total deposits | 95.29% |
| 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 | 78.22% | 95.79% | $0 | $12.0M |
| Q4 2023 | 77.53% | 96.02% | $0 | $10.0M |
| Q1 2024 | 79.30% | 95.95% | $0 | $10.0M |
| Q2 2024 | 84.43% | 95.95% | $0 | $13.0M |
| Q3 2024 | 81.42% | 96.01% | $0 | $12.0M |
| Q4 2024 | 78.28% | 95.71% | $0 | $12.0M |
| Q1 2025 | 80.50% | 95.07% | $0 | $11.0M |
| Q2 2025 | 82.46% | 94.89% | $0 | $11.0M |
| Q3 2025 | 78.45% | 94.90% | $0 | $10.0M |
| Q4 2025 | 81.35% | 94.94% | $394K | $10.0M |
| Q1 2026 | 82.24% | 95.21% | $0 | $10.0M |
| Q2 2026 | 83.58% | 95.29% | $0 | $8.5M |
Farmers & Merchants Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)