The Farmers and Merchants Bank: 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: 2.48 percentage points lower than in Q1 2026, at 73.49%. The Farmers and Merchants Bank ranks 123rd of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 67.69% (Q2 2026). The Farmers and Merchants Bank reported 67.69% on loan-to-deposit ratio for Q2 2026, 13.15 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 | $11.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.3M |
| Fed funds sold and reverse repos | $1.2M |
| Fed funds sold and reverse repos to assets | 0.90% |
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 | 67.69% |
| Net loans and leases to deposits | 66.11% |
| Loans and leases to core deposits | 73.49% |
| Core deposits to total deposits | 92.10% |
| 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 | 74.51% | 95.79% | $0 | $0 |
| Q4 2023 | 75.11% | 95.51% | $0 | $0 |
| Q1 2024 | 74.12% | 93.85% | $0 | $0 |
| Q2 2024 | 73.39% | 93.05% | $0 | $0 |
| Q3 2024 | 70.20% | 90.84% | $0 | $0 |
| Q4 2024 | 67.85% | 90.56% | $0 | $0 |
| Q1 2025 | 67.36% | 92.19% | $0 | $0 |
| Q2 2025 | 69.69% | 92.46% | $0 | $0 |
| Q3 2025 | 72.34% | 92.46% | $0 | $0 |
| Q4 2025 | 70.94% | 92.37% | $0 | $0 |
| Q1 2026 | 69.95% | 92.07% | $0 | $0 |
| Q2 2026 | 67.69% | 92.10% | $0 | $0 |
The Farmers and Merchants Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank, 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 The Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10280) · FFIEC NIC profile (RSSD 760210)