FM Bank and Trust: 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: 272.7% higher than in Q1 2026, at $41.0M. Within Arkansas, FM Bank and Trust is 24th of 78 on loan-to-deposit ratio, 93.27% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. FM Bank and Trust sits 5.07 points higher, at 93.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $135.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $185.4M |
| Fed funds sold and reverse repos | $25.0M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $41.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.01% |
| Trading liabilities | $2.4M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.27% |
| Net loans and leases to deposits | 91.86% |
| Loans and leases to core deposits | 110.96% |
| Core deposits to total deposits | 73.74% |
| Brokered deposits to total deposits | 10.31% |
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 | 92.04% | 62.83% | $0 | $0 |
| Q4 2023 | 85.46% | 71.38% | $0 | $0 |
| Q1 2024 | 83.88% | 68.61% | $0 | $0 |
| Q2 2024 | 89.34% | 69.02% | $0 | $0 |
| Q3 2024 | 91.38% | 69.99% | $0 | $0 |
| Q4 2024 | 88.06% | 71.18% | $0 | $0 |
| Q1 2025 | 83.54% | 73.03% | $0 | $0 |
| Q2 2025 | 91.51% | 72.63% | $0 | $7.5M |
| Q3 2025 | 95.02% | 73.45% | $0 | $22.5M |
| Q4 2025 | 87.05% | 72.36% | $0 | $2.5M |
| Q1 2026 | 92.76% | 78.11% | $0 | $11.0M |
| Q2 2026 | 93.27% | 73.74% | $0 | $41.0M |
FM Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FM Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1027) · FFIEC NIC profile (RSSD 33147)