Farmers & Merchants Union 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: 3.74 percentage points higher than in Q1 2026, at 90.46%. Within Wisconsin, Farmers & Merchants Union Bank is 89th of 153 on loan-to-deposit ratio, 86.17% as of Q2 2026, below 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 Union Bank sits 5.34 points higher, at 86.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $52.4M |
| Cash and noninterest-bearing balances to assets | 6.01% |
| Cash and securities | $182.8M |
| 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 | $0 |
| Other borrowed money | $11.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.17% |
| Net loans and leases to deposits | 84.48% |
| Loans and leases to core deposits | 90.46% |
| Core deposits to total deposits | 94.87% |
| Brokered deposits to total deposits | 0.39% |
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 | 93.84% | 96.70% | $0 | $40.0M |
| Q4 2023 | 90.68% | 96.60% | $0 | $15.0M |
| Q1 2024 | 91.76% | 97.00% | $0 | $35.0M |
| Q2 2024 | 96.86% | 96.93% | $0 | $35.0M |
| Q3 2024 | 93.38% | 96.17% | $0 | $35.0M |
| Q4 2024 | 89.68% | 96.73% | $0 | $0 |
| Q1 2025 | 92.91% | 92.47% | $0 | $6.0M |
| Q2 2025 | 92.67% | 93.12% | $0 | $2.0M |
| Q3 2025 | 95.44% | 94.07% | $0 | $12.0M |
| Q4 2025 | 98.58% | 94.12% | $0 | $11.0M |
| Q1 2026 | 82.69% | 94.65% | $0 | $11.0M |
| Q2 2026 | 86.17% | 94.87% | $0 | $11.0M |
Farmers & Merchants Union 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 Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14445) · FFIEC NIC profile (RSSD 51842)