Farmers & Merchants State Bank of New York Mills, Incorporated: 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.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $2.5M to $0. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants State Bank of New York Mills, Incorporated ranks 195th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 53.86% (Q2 2026). Farmers & Merchants State Bank of New York Mills, Incorporated reported 53.86% on loan-to-deposit ratio for Q2 2026, 13.76 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $41.7M |
| 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 | $3.4M |
| 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 | 53.86% |
| Net loans and leases to deposits | 53.07% |
| Loans and leases to core deposits | 61.99% |
| Core deposits to total deposits | 86.89% |
| 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 | 50.58% | 86.08% | $3.6M | $0 |
| Q4 2023 | 51.04% | 85.23% | $2.6M | $0 |
| Q1 2024 | 50.87% | 84.37% | $2.0M | $0 |
| Q2 2024 | 50.65% | 85.73% | $1.2M | $0 |
| Q3 2024 | 51.45% | 85.23% | $3.1M | $0 |
| Q4 2024 | 51.69% | 85.22% | $2.0M | $0 |
| Q1 2025 | 45.78% | 86.27% | $0 | $0 |
| Q2 2025 | 47.56% | 86.24% | $0 | $0 |
| Q3 2025 | 49.62% | 88.47% | $1.4M | $0 |
| Q4 2025 | 47.15% | 86.26% | $50K | $0 |
| Q1 2026 | 47.44% | 87.01% | $0 | $0 |
| Q2 2026 | 53.86% | 86.89% | $3.4M | $0 |
Farmers & Merchants State Bank of New York Mills, Incorporated liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of New York Mills, Incorporated, 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 State Bank of New York Mills, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9340) · FFIEC NIC profile (RSSD 721752)