First Farmers & Merchants State Bank of Grand Meadow: 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 12.67 percentage points in Q2 2026, from 88.40% to 101.07%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First Farmers & Merchants State Bank of Grand Meadow is 57th of 221 on loan-to-deposit ratio, 91.81% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Farmers & Merchants State Bank of Grand Meadow sits 24.18 points higher, at 91.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.7M |
| Fed funds sold and reverse repos | $579K |
| Fed funds sold and reverse repos to assets | 0.62% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $678K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.81% |
| Net loans and leases to deposits | 90.44% |
| Loans and leases to core deposits | 101.07% |
| Core deposits to total deposits | 90.84% |
| 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 | 76.97% | 94.50% | $0 | $1.1M |
| Q4 2023 | 80.68% | 93.22% | $0 | $1.1M |
| Q1 2024 | 94.78% | 92.20% | $0 | $9.0M |
| Q2 2024 | 96.82% | 91.18% | $0 | $10.5M |
| Q3 2024 | 86.64% | 91.32% | $0 | $1.9M |
| Q4 2024 | 79.56% | 88.84% | $0 | $1.9M |
| Q1 2025 | 86.23% | 87.43% | $0 | $818K |
| Q2 2025 | 82.33% | 88.92% | $0 | $790K |
| Q3 2025 | 81.26% | 88.98% | $0 | $762K |
| Q4 2025 | 80.27% | 88.30% | $0 | $734K |
| Q1 2026 | 79.42% | 89.84% | $0 | $706K |
| Q2 2026 | 91.81% | 90.84% | $0 | $678K |
First Farmers & Merchants State Bank of Grand Meadow 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 State Bank of Grand Meadow, 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 State Bank of Grand Meadow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15621) · FFIEC NIC profile (RSSD 77150)