Farmers & Merchants State Bank of Springfield: 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 Net loans and leases to deposits: 1.05 percentage points lower than in Q1 2026, at 72.43%. Within Minnesota, Farmers & Merchants State Bank of Springfield is 140th of 221 on loan-to-deposit ratio, 73.71% as of Q2 2026, below the middle of the field. Farmers & Merchants State Bank of Springfield reported 73.71% on loan-to-deposit ratio for Q2 2026, 7.13 points below 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 | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $45.4M |
| Fed funds sold and reverse repos | $351K |
| Fed funds sold and reverse repos to assets | 0.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.08% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.71% |
| Net loans and leases to deposits | 72.43% |
| Loans and leases to core deposits | 74.75% |
| Core deposits to total deposits | 98.61% |
| 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 | 68.83% | 98.36% | $0 | $7.2M |
| Q4 2023 | 69.03% | 98.93% | $0 | $6.2M |
| Q1 2024 | 70.53% | 98.90% | $0 | $5.0M |
| Q2 2024 | 70.57% | 98.65% | $0 | $4.0M |
| Q3 2024 | 73.25% | 98.66% | $0 | $3.9M |
| Q4 2024 | 78.72% | 99.08% | $0 | $3.9M |
| Q1 2025 | 82.40% | 99.30% | $0 | $3.8M |
| Q2 2025 | 82.74% | 99.26% | $0 | $6.0M |
| Q3 2025 | 75.91% | 99.24% | $0 | $5.9M |
| Q4 2025 | 75.99% | 99.29% | $0 | $5.9M |
| Q1 2026 | 74.74% | 98.85% | $0 | $5.7M |
| Q2 2026 | 73.71% | 98.61% | $0 | $5.7M |
Farmers & Merchants State Bank of Springfield 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 Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13382) · FFIEC NIC profile (RSSD 770451)