Farmers and Merchants Bank of St. Clair: 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 Q2 2026 was in Loans and leases to core deposits: 2.07 percentage points higher than in Q1 2026, at 84.80%. Within Missouri, Farmers and Merchants Bank of St. Clair is 125th of 192 on loan-to-deposit ratio, 77.96% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank of St. Clair reported 77.96% on loan-to-deposit ratio for Q2 2026, 2.88 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.4M |
| Fed funds sold and reverse repos | $39K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 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 | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.96% |
| Net loans and leases to deposits | 77.01% |
| Loans and leases to core deposits | 84.80% |
| Core deposits to total deposits | 91.93% |
| 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 | 73.36% | 90.34% | $646K | $2.9M |
| Q4 2023 | 74.86% | 92.15% | $0 | $6.4M |
| Q1 2024 | 72.44% | 91.86% | $0 | $6.4M |
| Q2 2024 | 74.08% | 93.73% | $0 | $6.4M |
| Q3 2024 | 76.43% | 93.61% | $0 | $6.4M |
| Q4 2024 | 75.11% | 92.81% | $0 | $10.4M |
| Q1 2025 | 69.38% | 92.92% | $0 | $6.4M |
| Q2 2025 | 73.11% | 92.97% | $0 | $0 |
| Q3 2025 | 75.61% | 93.06% | $132K | $0 |
| Q4 2025 | 80.73% | 92.06% | $0 | $10.0M |
| Q1 2026 | 76.54% | 92.50% | $0 | $0 |
| Q2 2026 | 77.96% | 91.93% | $0 | $0 |
Farmers and Merchants Bank of St. Clair 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 St. Clair, 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 St. Clair profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14056) · FFIEC NIC profile (RSSD 266851)