Farmers and Merchants Bank of South Carolina: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 10.23 percentage points in Q3 2026, from 32.33% to 42.56%. It was the largest change from Q2 2026 among the key lines here. Within South Carolina, Farmers and Merchants Bank of South Carolina is 27th of 44 on total deposits, $380.8M as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Farmers and Merchants Bank of South Carolina sits 37% higher, at $380.8M (Q3 2026); the peer median is as of Q2 2026.
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $380.8M |
| Domestic office deposits | $380.8M |
| Foreign office deposits | — |
| Deposits to total assets | 86.18% |
| Deposits to total liabilities | 99.63% |
Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $226.4M |
| Savings deposits | $66.6M |
| Transaction accounts to domestic deposits | 71.10% |
| Time deposits | $8K |
| Time deposits under $100k | $9.8M |
| Time deposits $100k to $250k | $4.5M |
| Time deposits over $250k | $17.0M |
| Noninterest-bearing share of deposits | 42.56% |
Stability of funding
| Line item | Q3 2026 |
|---|---|
| Core deposits | $363.8M |
| Core deposits to total deposits | 95.54% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 0.49% |
| Interest expense on deposits | $279K |
| Loans and leases to core deposits | 33.99% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q4 2023 | $425.8M | 96.04% | 0.00% | 0.35% |
| Q1 2024 | $333.8M | 94.94% | 0.00% | 0.40% |
| Q2 2024 | $347.0M | 95.57% | 0.00% | 0.46% |
| Q3 2024 | $337.4M | 95.45% | 0.00% | 0.46% |
| Q4 2024 | $492.6M | 96.81% | 0.00% | 0.36% |
| Q1 2025 | $363.6M | 95.47% | 0.00% | 0.35% |
| Q2 2025 | $355.5M | 95.25% | 0.00% | 0.44% |
| Q3 2025 | $330.9M | 94.32% | 0.00% | 0.48% |
| Q4 2025 | $435.3M | 95.98% | 0.00% | 0.43% |
| Q1 2026 | $414.3M | 95.75% | 0.00% | 0.38% |
| Q2 2026 | $350.8M | 95.20% | 0.00% | 0.41% |
| Q3 2026 | $380.8M | 95.54% | 0.00% | 0.49% |
Farmers and Merchants Bank of South Carolina deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of South Carolina, freeSource: Call Report Schedules RC-E and RC-O, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)