Farmers & Merchants Savings Bank: 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 Loans and leases to core deposits: 4.95 percentage points higher than in Q1 2026, at 96.26%. Within Iowa, Farmers & Merchants Savings Bank is 79th of 225 on loan-to-deposit ratio, 89.37% as of Q2 2026, above 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 Savings Bank sits 8.53 points higher, at 89.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $17.0M |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.37% |
| Net loans and leases to deposits | 87.50% |
| Loans and leases to core deposits | 96.26% |
| Core deposits to total deposits | 92.85% |
| 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 | 80.96% | 91.24% | $0 | $0 |
| Q4 2023 | 81.24% | 91.98% | $0 | $0 |
| Q1 2024 | 76.85% | 91.17% | $0 | $0 |
| Q2 2024 | 83.27% | 91.40% | $0 | $10.0M |
| Q3 2024 | 74.95% | 91.85% | $0 | $10.0M |
| Q4 2024 | 82.70% | 91.87% | $3.8M | $10.0M |
| Q1 2025 | 82.45% | 93.04% | $0 | $10.0M |
| Q2 2025 | 78.48% | 92.89% | $0 | $0 |
| Q3 2025 | 76.34% | 93.60% | $0 | $0 |
| Q4 2025 | 84.59% | 93.76% | $0 | $0 |
| Q1 2026 | 84.80% | 92.87% | $0 | $0 |
| Q2 2026 | 89.37% | 92.85% | $17.0M | $5.0M |
Farmers & Merchants Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Savings Bank, 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9298) · FFIEC NIC profile (RSSD 863746)