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 4.71 percentage points in Q2 2026, from 103.26% to 107.98%. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants National Bank ranks 80th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 86.63% (Q2 2026). First Farmers & Merchants National Bank reported 86.63% on loan-to-deposit ratio for Q2 2026, 5.69 points above the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.2M |
| Fed funds sold and reverse repos | $494K |
| Fed funds sold and reverse repos to assets | 0.20% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $412K |
| Other borrowed money | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.63% |
| Net loans and leases to deposits | 85.70% |
| Loans and leases to core deposits | 107.98% |
| Core deposits to total deposits | 80.23% |
| 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 | 90.26% | 88.82% | $3.4M | $17.8M |
| Q4 2023 | 85.46% | 87.24% | $3.6M | $15.8M |
| Q1 2024 | 83.69% | 87.03% | $2.6M | $16.2M |
| Q2 2024 | 86.64% | 84.49% | $2.6M | $16.2M |
| Q3 2024 | 84.49% | 83.40% | $2.6M | $16.2M |
| Q4 2024 | 84.87% | 83.74% | $2.6M | $1.1M |
| Q1 2025 | 86.98% | 83.88% | $3.1M | $6.1M |
| Q2 2025 | 86.95% | 83.20% | $2.8M | $1.2M |
| Q3 2025 | 79.03% | 82.04% | $2.8M | $1.2M |
| Q4 2025 | 83.76% | 82.02% | $1.6M | $1.1M |
| Q1 2026 | 83.37% | 80.74% | $412K | $1.1M |
| Q2 2026 | 86.63% | 80.23% | $412K | $1.0M |
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 5186) · FFIEC NIC profile (RSSD 917854)