First Farmers & Merchants National 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.
Loans and leases to core deposits climbed 7.15 percentage points in Q2 2026, from 103.71% to 110.87%. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants National Bank ranks 32nd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 101.02% (Q2 2026). First Farmers & Merchants National Bank reported 101.02% on loan-to-deposit ratio for Q2 2026, 20.18 points above 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 | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.6M |
| Fed funds sold and reverse repos | $602K |
| Fed funds sold and reverse repos to assets | 0.43% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.5M |
| Other borrowed money | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.02% |
| Net loans and leases to deposits | 99.81% |
| Loans and leases to core deposits | 110.87% |
| Core deposits to total deposits | 91.11% |
| 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 | 92.79% | 95.61% | $10.6M | $0 |
| Q4 2023 | 92.18% | 94.94% | $10.5M | $0 |
| Q1 2024 | 104.12% | 89.15% | $5.9M | $10.0M |
| Q2 2024 | 107.41% | 89.22% | $8.5M | $10.0M |
| Q3 2024 | 102.63% | 89.83% | $6.3M | $10.0M |
| Q4 2024 | 95.29% | 89.48% | $6.3M | $5.0M |
| Q1 2025 | 97.52% | 90.18% | $5.8M | $0 |
| Q2 2025 | 97.93% | 89.92% | $5.9M | $0 |
| Q3 2025 | 97.22% | 91.39% | $7.1M | $0 |
| Q4 2025 | 91.31% | 92.17% | $7.3M | $0 |
| Q1 2026 | 99.07% | 95.52% | $7.2M | $0 |
| Q2 2026 | 101.02% | 91.11% | $7.5M | $2.5M |
First Farmers & Merchants National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33131) · FFIEC NIC profile (RSSD 1470150)