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: 78.9% lower than in Q1 2026, at $739K. F&M Bank has the 8th lowest loan-to-deposit ratio of the 138 banks headquartered in Nebraska, at 49.14% as of Q2 2026. F&M Bank reported 49.14% on loan-to-deposit ratio for Q2 2026, 31.81 points below 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 | $35.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $77.0M |
| Fed funds sold and reverse repos | $739K |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.14% |
| Net loans and leases to deposits | 48.18% |
| Loans and leases to core deposits | 50.81% |
| Core deposits to total deposits | 96.72% |
| 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 | 53.89% | 96.41% | $0 | $1.2M |
| Q4 2023 | 56.71% | 96.13% | $0 | $3.1M |
| Q1 2024 | 61.17% | 94.54% | $0 | $2.6M |
| Q2 2024 | 56.87% | 96.34% | $0 | $2.6M |
| Q3 2024 | 53.48% | 95.02% | $0 | $3.1M |
| Q4 2024 | 55.14% | 95.62% | $0 | $3.4M |
| Q1 2025 | 52.90% | 95.71% | $0 | $3.0M |
| Q2 2025 | 47.27% | 96.81% | $0 | $3.1M |
| Q3 2025 | 55.48% | 97.14% | $0 | $3.4M |
| Q4 2025 | 55.20% | 97.44% | $0 | $3.2M |
| Q1 2026 | 45.93% | 96.92% | $0 | $3.6M |
| Q2 2026 | 49.14% | 96.72% | $0 | $4.0M |
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 5401) · FFIEC NIC profile (RSSD 259059)