Farmers and Merchants Bank of South Carolina: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of South Carolina reported a loan-to-deposit ratio of 32.47% as of Q3 2026, ranking #3,590 of 3,651 U.S. banks (2nd percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is Farmers and Merchants Bank of South Carolina's Loan-to-Deposit Ratio?
Farmers and Merchants Bank of South Carolina's Loan-to-Deposit Ratio was 32.47% as of Q3 2026, ranking #3590 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More Farmers and Merchants Bank of South Carolina metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Farmers and Merchants Bank of South Carolina profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)