FM 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 Other borrowed money: 312.4% higher than in Q1 2026, at $38.5M. FM Bank ranks 124th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 77.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FM Bank sits 3.08 points lower, at 77.75% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $213.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.9M |
| Other borrowed money | $38.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.75% |
| Net loans and leases to deposits | 77.29% |
| Loans and leases to core deposits | 85.77% |
| Core deposits to total deposits | 90.65% |
| 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 | 56.70% | 94.52% | $980K | $12.9M |
| Q4 2023 | 60.09% | 93.45% | $1.2M | $7.1M |
| Q1 2024 | 60.06% | 93.43% | $960K | $6.8M |
| Q2 2024 | 63.34% | 93.20% | $1.6M | $8.7M |
| Q3 2024 | 64.89% | 93.13% | $1.4M | $6.6M |
| Q4 2024 | 67.23% | 92.45% | $1.1M | $15.5M |
| Q1 2025 | 69.64% | 91.78% | $1.4M | $20.7M |
| Q2 2025 | 70.61% | 91.68% | $500K | $21.6M |
| Q3 2025 | 77.12% | 90.93% | $20.4M | $47.5M |
| Q4 2025 | 75.40% | 90.19% | $20.2M | $6.0M |
| Q1 2026 | 77.25% | 90.31% | $7.5M | $9.3M |
| Q2 2026 | 77.75% | 90.65% | $1.9M | $38.5M |
FM Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FM 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 FM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10998) · FFIEC NIC profile (RSSD 20857)