The Farmers and Merchants National Bank of Nashville: 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 dropped 100.0% in Q2 2026, from $4.2M to $0. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Farmers and Merchants National Bank of Nashville is 154th of 323 on loan-to-deposit ratio, 76.37% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers and Merchants National Bank of Nashville sits 4.47 points lower, at 76.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 76.37% |
| Net loans and leases to deposits | 75.59% |
| Loans and leases to core deposits | 83.06% |
| Core deposits to total deposits | 91.94% |
| 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 | 65.03% | 96.60% | $0 | $0 |
| Q4 2023 | 76.59% | 96.31% | $9.6M | $17.8M |
| Q1 2024 | 77.71% | 94.19% | $842K | $21.1M |
| Q2 2024 | 73.59% | 92.48% | $0 | $17.0M |
| Q3 2024 | 67.56% | 92.42% | $0 | $3.6M |
| Q4 2024 | 74.25% | 92.12% | $0 | $0 |
| Q1 2025 | 71.47% | 92.22% | $0 | $0 |
| Q2 2025 | 71.72% | 91.27% | $0 | $0 |
| Q3 2025 | 68.21% | 91.56% | $0 | $0 |
| Q4 2025 | 75.88% | 90.84% | $0 | $0 |
| Q1 2026 | 71.20% | 90.56% | $0 | $0 |
| Q2 2026 | 76.37% | 91.94% | $0 | $0 |
The Farmers and Merchants National Bank of Nashville 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 Nashville, 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 Nashville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3821) · FFIEC NIC profile (RSSD 513546)