The Farmers and Merchants National Bank of Fairview: 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.
Fed funds sold and reverse repos climbed 19.9% in Q3 2026, from $3.8M to $4.5M. It was the largest change from Q2 2026 among the key lines here. Within Oklahoma, The Farmers and Merchants National Bank of Fairview is 143rd of 169 on loan-to-deposit ratio, 52.94% as of Q3 2026, below the middle of the field. The Farmers and Merchants National Bank of Fairview reported 52.94% on loan-to-deposit ratio for Q3 2026, 27.90 points below the 80.84% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $56.1M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 3.86% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.99% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 52.94% |
| Net loans and leases to deposits | 51.99% |
| Loans and leases to core deposits | 58.15% |
| Core deposits to total deposits | 91.04% |
| 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 | 37.74% | 91.83% | $0 | $3.0M |
| Q1 2024 | 39.09% | 91.41% | $0 | $3.0M |
| Q2 2024 | 42.22% | 90.13% | $0 | $4.0M |
| Q3 2024 | 45.34% | 89.75% | $0 | $8.0M |
| Q4 2024 | 42.93% | 90.85% | $0 | $8.0M |
| Q1 2025 | 45.43% | 90.62% | $0 | $8.0M |
| Q2 2025 | 48.89% | 90.14% | $0 | $7.0M |
| Q3 2025 | 46.89% | 90.71% | $0 | $8.0M |
| Q4 2025 | 45.90% | 91.62% | $0 | $8.0M |
| Q1 2026 | 50.36% | 91.53% | $0 | $8.0M |
| Q2 2026 | 52.43% | 90.85% | $0 | $7.0M |
| Q3 2026 | 52.94% | 91.04% | $0 | $7.0M |
The Farmers and Merchants National Bank of Fairview 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 National Bank of Fairview, 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 National Bank of Fairview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4097) · FFIEC NIC profile (RSSD 73152)