Farmers and Merchants Bank of South Carolina: 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 Q3 2026 was in Loans and leases to core deposits: 2.80 percentage points lower than in Q2 2026, at 33.99%. Farmers and Merchants Bank of South Carolina has the 1st lowest loan-to-deposit ratio of the 44 banks headquartered in South Carolina, at 32.47% as of Q3 2026. Farmers and Merchants Bank of South Carolina's loan-to-deposit ratio of 32.47% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 48.37 points (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $118.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $306.2M |
| Fed funds sold and reverse repos | $500K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 32.47% |
| Net loans and leases to deposits | 32.16% |
| Loans and leases to core deposits | 33.99% |
| Core deposits to total deposits | 95.54% |
| 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 | 24.17% | 96.04% | $0 | $0 |
| Q1 2024 | 32.68% | 94.94% | $0 | $0 |
| Q2 2024 | 30.97% | 95.57% | $0 | $0 |
| Q3 2024 | 34.36% | 95.45% | $0 | $0 |
| Q4 2024 | 24.60% | 96.81% | $0 | $0 |
| Q1 2025 | 33.70% | 95.47% | $0 | $0 |
| Q2 2025 | 34.99% | 95.25% | $0 | $0 |
| Q3 2025 | 38.49% | 94.32% | $0 | $0 |
| Q4 2025 | 28.59% | 95.98% | $0 | $0 |
| Q1 2026 | 30.08% | 95.75% | $0 | $0 |
| Q2 2026 | 35.02% | 95.20% | $0 | $0 |
| Q3 2026 | 32.47% | 95.54% | $0 | $0 |
Farmers and Merchants Bank of South Carolina 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 South Carolina, 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 South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)