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.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.55 percentage points lower than in Q1 2026, at 92.22%. On loan-to-deposit ratio, Farmers and Merchants Bank is 8th from the bottom among 122 Georgia banks, 40.84% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Merchants Bank sits 39.99 points lower, at 40.84% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $104.4M |
| 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 | 40.84% |
| Net loans and leases to deposits | 40.05% |
| Loans and leases to core deposits | 44.29% |
| Core deposits to total deposits | 92.22% |
| 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 | 32.06% | 96.50% | $0 | $0 |
| Q4 2023 | 33.49% | 96.07% | $0 | $0 |
| Q1 2024 | 33.14% | 95.47% | $0 | $0 |
| Q2 2024 | 35.05% | 93.66% | $0 | $0 |
| Q3 2024 | 36.37% | 93.48% | $0 | $0 |
| Q4 2024 | 36.88% | 94.12% | $0 | $0 |
| Q1 2025 | 39.41% | 93.20% | $0 | $0 |
| Q2 2025 | 40.02% | 94.64% | $0 | $0 |
| Q3 2025 | 46.20% | 94.24% | $0 | $0 |
| Q4 2025 | 44.12% | 94.40% | $0 | $0 |
| Q1 2026 | 42.73% | 94.77% | $0 | $0 |
| Q2 2026 | 40.84% | 92.22% | $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 16440) · FFIEC NIC profile (RSSD 4231)