First Farmers & Merchants 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.
Cash and balances due from depository institutions climbed 15.7% in Q2 2026, from $29.1M to $33.7M. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants Bank ranks 157th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 70.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Farmers & Merchants Bank sits 9.88 points lower, at 70.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.7M |
| Cash and noninterest-bearing balances to assets | 6.42% |
| Cash and securities | $167.8M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.51% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $984K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.96% |
| Net loans and leases to deposits | 70.27% |
| Loans and leases to core deposits | 76.31% |
| Core deposits to total deposits | 92.99% |
| 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 | 71.35% | 94.94% | $0 | $32.9M |
| Q4 2023 | 69.78% | 94.89% | $0 | $30.8M |
| Q1 2024 | 70.67% | 94.10% | $0 | $29.8M |
| Q2 2024 | 72.02% | 93.55% | $0 | $29.7M |
| Q3 2024 | 71.65% | 93.13% | $0 | $24.7M |
| Q4 2024 | 67.14% | 93.45% | $0 | $763K |
| Q1 2025 | 69.33% | 93.70% | $0 | $739K |
| Q2 2025 | 70.10% | 92.03% | $0 | $772K |
| Q3 2025 | 69.58% | 91.28% | $0 | $940K |
| Q4 2025 | 66.51% | 91.99% | $0 | $1.1M |
| Q1 2026 | 69.76% | 92.90% | $0 | $995K |
| Q2 2026 | 70.96% | 92.99% | $0 | $984K |
First Farmers & Merchants Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants 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 First Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10168) · FFIEC NIC profile (RSSD 217059)