FMB 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 Loans and leases to core deposits: 4.88 percentage points higher than in Q1 2026, at 33.02%. On loan-to-deposit ratio, FMB Bank is 5th from the bottom among 191 Missouri banks, 32.25% (Q2 2026). FMB Bank's loan-to-deposit ratio of 32.25% is well below the 67.32% median for banks in the < $100M asset tier, a gap of 35.08 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.7M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.25% |
| Net loans and leases to deposits | 31.93% |
| Loans and leases to core deposits | 33.02% |
| Core deposits to total deposits | 97.65% |
| 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 | 33.48% | 97.29% | $0 | $0 |
| Q4 2023 | 32.32% | 97.23% | $0 | $0 |
| Q1 2024 | 26.61% | 98.45% | $0 | $0 |
| Q2 2024 | 28.74% | 98.38% | $0 | $0 |
| Q3 2024 | 37.54% | 97.94% | $0 | $1.5M |
| Q4 2024 | 34.99% | 92.83% | $0 | $0 |
| Q1 2025 | 30.37% | 98.26% | $0 | $0 |
| Q2 2025 | 33.35% | 98.15% | $0 | $0 |
| Q3 2025 | 36.68% | 97.86% | $0 | $0 |
| Q4 2025 | 35.59% | 97.72% | $0 | $0 |
| Q1 2026 | 27.52% | 97.77% | $0 | $0 |
| Q2 2026 | 32.25% | 97.65% | $0 | $0 |
FMB Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FMB 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 FMB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12225) · FFIEC NIC profile (RSSD 509857)