Farmers and Merchants 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.
Fed funds sold and reverse repos to assets climbed 9.66 percentage points in Q2 2026, from 13.25% to 22.91%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank has the 12th lowest loan-to-deposit ratio of the 169 banks headquartered in Oklahoma, at 35.50% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers and Merchants Bank sits 32.12 points lower, at 35.50% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $13.7M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 22.91% |
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 | 35.50% |
| Net loans and leases to deposits | 34.81% |
| Loans and leases to core deposits | 39.28% |
| Core deposits to total deposits | 90.39% |
| 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 | 37.74% | 100.00% | $0 | $0 |
| Q4 2023 | 41.86% | 100.00% | $0 | $0 |
| Q1 2024 | 43.91% | 100.00% | $0 | $0 |
| Q2 2024 | 30.43% | 100.00% | $0 | $0 |
| Q3 2024 | 36.12% | 98.40% | $0 | $0 |
| Q4 2024 | 35.01% | 98.38% | $0 | $0 |
| Q1 2025 | 32.19% | 98.48% | $0 | $0 |
| Q2 2025 | 32.46% | 98.52% | $0 | $0 |
| Q3 2025 | 37.14% | 96.87% | $0 | $0 |
| Q4 2025 | 40.22% | 96.81% | $0 | $0 |
| Q1 2026 | 37.04% | 95.50% | $0 | $0 |
| Q2 2026 | 35.50% | 90.39% | $0 | $0 |
Farmers and Merchants Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants 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 Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12284) · FFIEC NIC profile (RSSD 273859)