The Farmers and Merchants Bank of Craig County: 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 4.87 percentage points in Q3 2026, from 85.26% to 90.14%. It was the largest change from Q2 2026 among the key lines here. The Farmers and Merchants Bank of Craig County ranks 29th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 84.22% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Farmers and Merchants Bank of Craig County sits 16.60 points higher, at 84.22% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.4M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $452K |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 84.22% |
| Net loans and leases to deposits | 83.21% |
| Loans and leases to core deposits | 90.14% |
| Core deposits to total deposits | 93.44% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 64.37% | 93.68% | $0 | $0 |
| Q1 2024 | 64.37% | 93.69% | $0 | $0 |
| Q2 2024 | 66.96% | 94.77% | $0 | $0 |
| Q3 2024 | 70.62% | 93.59% | $0 | $0 |
| Q4 2024 | 72.62% | 93.63% | $0 | $0 |
| Q1 2025 | 72.91% | 93.36% | $0 | $0 |
| Q2 2025 | 74.55% | 92.95% | $0 | $0 |
| Q3 2025 | 77.42% | 92.85% | $0 | $0 |
| Q4 2025 | 78.48% | 92.59% | $0 | $0 |
| Q1 2026 | 77.82% | 93.06% | $0 | $0 |
| Q2 2026 | 79.79% | 93.58% | $0 | $0 |
| Q3 2026 | 84.22% | 93.44% | $452K | $0 |
The Farmers and Merchants Bank of Craig County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank of Craig County, 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 The Farmers and Merchants Bank of Craig County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9986) · FFIEC NIC profile (RSSD 804422)