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 Fed funds purchased and repos: 32.1% higher than in Q1 2026, at $4.6M. Within Maryland, Farmers and Merchants Bank is 12th of 27 on loan-to-deposit ratio, 88.43% as of Q2 2026, above the middle of the field. Farmers and Merchants Bank reported 88.43% on loan-to-deposit ratio for Q2 2026, 7.59 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $56.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $187.5M |
| 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 | $4.6M |
| Other borrowed money | $58.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.43% |
| Net loans and leases to deposits | 87.81% |
| Loans and leases to core deposits | 96.48% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 7.86% |
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 | 82.16% | 87.27% | $5.4M | $39.0M |
| Q4 2023 | 77.35% | 83.25% | $6.8M | $39.0M |
| Q1 2024 | 82.36% | 85.62% | $5.6M | $60.7M |
| Q2 2024 | 84.32% | 82.58% | $2.8M | $70.6M |
| Q3 2024 | 85.43% | 79.67% | $2.9M | $60.6M |
| Q4 2024 | 77.26% | 71.66% | $5.6M | $6.5M |
| Q1 2025 | 82.07% | 74.82% | $5.5M | $1.4M |
| Q2 2025 | 82.69% | 74.36% | $4.8M | $11.4M |
| Q3 2025 | 85.02% | 79.37% | $2.5M | $51.5M |
| Q4 2025 | 88.39% | 82.62% | $4.3M | $64.0M |
| Q1 2026 | 88.87% | 83.75% | $3.5M | $63.9M |
| Q2 2026 | 88.43% | 83.80% | $4.6M | $58.9M |
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 1895) · FFIEC NIC profile (RSSD 891226)