F&M 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 Fed funds sold and reverse repos: 94.3% higher than in Q1 2026, at $19.7M. Within Oklahoma, F&M Bank is 70th of 169 on loan-to-deposit ratio, 82.03% as of Q2 2026, above the middle of the field. At 82.03%, F&M Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $220.2M |
| Fed funds sold and reverse repos | $19.7M |
| Fed funds sold and reverse repos to assets | 2.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.2M |
| Other borrowed money | $10.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.11% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.03% |
| Net loans and leases to deposits | 81.11% |
| Loans and leases to core deposits | 97.71% |
| Core deposits to total deposits | 83.95% |
| 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 | 76.15% | 87.49% | $8.2M | $5.9M |
| Q4 2023 | 78.93% | 83.78% | $7.5M | $11.9M |
| Q1 2024 | 78.27% | 80.76% | $5.7M | $10.7M |
| Q2 2024 | 78.34% | 85.04% | $5.5M | $10.7M |
| Q3 2024 | 85.52% | 80.94% | $5.2M | $32.6M |
| Q4 2024 | 87.69% | 84.44% | $4.7M | $35.5M |
| Q1 2025 | 82.67% | 83.62% | $4.0M | $449K |
| Q2 2025 | 86.46% | 83.50% | $8.4M | $449K |
| Q3 2025 | 92.77% | 82.19% | $8.0M | $26.5M |
| Q4 2025 | 90.54% | 83.33% | $2.3M | $37.8M |
| Q1 2026 | 84.88% | 82.49% | $2.0M | $13.4M |
| Q2 2026 | 82.03% | 83.95% | $2.2M | $10.2M |
F&M Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock F&M 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 F&M Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12761) · FFIEC NIC profile (RSSD 163857)