FMS 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.
Loans and leases to core deposits climbed 11.78 percentage points in Q2 2026, from 94.95% to 106.72%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, FMS Bank is 23rd of 63 on loan-to-deposit ratio, 90.12% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. FMS Bank sits 9.57 points higher, at 90.12% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $48.6M |
| Fed funds sold and reverse repos | $198K |
| Fed funds sold and reverse repos to assets | 0.06% |
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 | 90.12% |
| Net loans and leases to deposits | 88.72% |
| Loans and leases to core deposits | 106.72% |
| Core deposits to total deposits | 81.36% |
| Brokered deposits to total deposits | 3.08% |
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 | 97.13% | 85.82% | $8.7M | $17.0M |
| Q4 2023 | 90.73% | 86.17% | $8.6M | $10.0M |
| Q1 2024 | 85.28% | 85.07% | $5.7M | $10.0M |
| Q2 2024 | 86.26% | 83.40% | $0 | $0 |
| Q3 2024 | 81.65% | 84.75% | $0 | $0 |
| Q4 2024 | 80.16% | 85.01% | $0 | $0 |
| Q1 2025 | 81.05% | 85.25% | $0 | $0 |
| Q2 2025 | 88.73% | 86.28% | $0 | $6.5M |
| Q3 2025 | 84.03% | 84.53% | $0 | $0 |
| Q4 2025 | 85.29% | 83.05% | $0 | $0 |
| Q1 2026 | 81.40% | 82.87% | $0 | $0 |
| Q2 2026 | 90.12% | 81.36% | $0 | $0 |
FMS Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock FMS 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 FMS Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23764) · FFIEC NIC profile (RSSD 257756)