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.
Other borrowed money dropped 76.8% in Q2 2026, from $1.3M to $304K. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, F&M Bank is 25th of 138 on loan-to-deposit ratio, 95.16% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. F&M Bank sits 14.22 points higher, at 95.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.7M |
| 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 | $0 |
| Other borrowed money | $304K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.16% |
| Net loans and leases to deposits | 93.95% |
| Loans and leases to core deposits | 96.63% |
| Core deposits to total deposits | 98.48% |
| 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 | 79.97% | 99.35% | $0 | $2.5M |
| Q4 2023 | 91.82% | 99.05% | $0 | $8.5M |
| Q1 2024 | 91.28% | 98.29% | $0 | $8.2M |
| Q2 2024 | 93.36% | 97.87% | $0 | $2.4M |
| Q3 2024 | 88.17% | 97.70% | $0 | $789K |
| Q4 2024 | 90.39% | 98.23% | $0 | $655K |
| Q1 2025 | 94.34% | 98.59% | $0 | $707K |
| Q2 2025 | 94.44% | 98.90% | $0 | $338K |
| Q3 2025 | 96.17% | 99.04% | $0 | $330K |
| Q4 2025 | 89.36% | 99.04% | $0 | $3.3M |
| Q1 2026 | 93.02% | 98.53% | $0 | $1.3M |
| Q2 2026 | 95.16% | 98.48% | $0 | $304K |
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 14922) · FFIEC NIC profile (RSSD 542153)