Farmers and Merchants Bank of Long Beach: 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.
Loan-to-deposit ratio climbed 4.91 percentage points in Q2 2026, from 70.81% to 75.72%. It was the largest change from Q1 2026 among the key lines here. Within California, Farmers and Merchants Bank of Long Beach is 90th of 114 on loan-to-deposit ratio, 75.72% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Farmers and Merchants Bank of Long Beach sits 11.11 points lower, at 75.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $504.3M |
| Cash and noninterest-bearing balances to assets | 4.28% |
| Cash and securities | $4.91B |
| 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 | $1.02B |
| Other borrowed money | $300.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.72% |
| Net loans and leases to deposits | 74.76% |
| Loans and leases to core deposits | 81.13% |
| Core deposits to total deposits | 93.33% |
| 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 | 75.06% | 92.99% | $943.9M | $1.00B |
| Q4 2023 | 77.79% | 92.31% | $909.4M | $1.00B |
| Q1 2024 | 76.68% | 92.28% | $942.5M | $1.20B |
| Q2 2024 | 73.73% | 92.45% | $926.2M | $1.00B |
| Q3 2024 | 73.59% | 92.35% | $877.4M | $900.0M |
| Q4 2024 | 73.67% | 92.50% | $991.9M | $500.0M |
| Q1 2025 | 73.81% | 92.44% | $960.5M | $400.0M |
| Q2 2025 | 74.34% | 92.02% | $956.3M | $300.0M |
| Q3 2025 | 70.27% | 92.37% | $977.7M | $300.0M |
| Q4 2025 | 67.79% | 92.41% | $883.2M | $300.0M |
| Q1 2026 | 70.81% | 92.75% | $962.0M | $300.0M |
| Q2 2026 | 75.72% | 93.33% | $1.02B | $300.0M |
Farmers and Merchants Bank of Long Beach 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 of Long Beach, 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 of Long Beach profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1225) · FFIEC NIC profile (RSSD 871769)