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.
Loans and leases to core deposits climbed 4.28 percentage points in Q2 2026, from 62.79% to 67.07%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Farmers and Merchants Bank is 132nd of 169 on loan-to-deposit ratio, 62.26% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank reported 62.26% on loan-to-deposit ratio for Q2 2026, 5.67 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $9.2M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 5.08% |
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 | 62.26% |
| Net loans and leases to deposits | 60.45% |
| Loans and leases to core deposits | 67.07% |
| Core deposits to total deposits | 92.82% |
| 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 | 67.14% | 96.31% | $0 | $0 |
| Q4 2023 | 70.93% | 97.75% | $0 | $0 |
| Q1 2024 | 65.82% | 97.91% | $0 | $0 |
| Q2 2024 | 65.70% | 97.88% | $0 | $0 |
| Q3 2024 | 64.07% | 97.91% | $0 | $0 |
| Q4 2024 | 65.03% | 97.81% | $0 | $0 |
| Q1 2025 | 59.68% | 97.93% | $0 | $0 |
| Q2 2025 | 64.32% | 97.87% | $0 | $150K |
| Q3 2025 | 52.67% | 98.09% | $0 | $0 |
| Q4 2025 | 57.76% | 93.05% | $0 | $0 |
| Q1 2026 | 58.35% | 92.93% | $0 | $0 |
| Q2 2026 | 62.26% | 92.82% | $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 4144) · FFIEC NIC profile (RSSD 836656)