Farmers & 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.
Core deposits to total deposits climbed 0.82 percentage points in Q2 2026, from 90.53% to 91.35%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Farmers & Merchants Bank is 33rd of 156 on loan-to-deposit ratio, 94.41% as of Q2 2026, above the middle of the field. Farmers & Merchants Bank reported 94.41% on loan-to-deposit ratio for Q2 2026, 13.57 points above 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 | $5.2M |
| Cash and noninterest-bearing balances to assets | 0.89% |
| Cash and securities | $61.2M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 0.55% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.78% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.41% |
| Net loans and leases to deposits | 92.91% |
| Loans and leases to core deposits | 100.98% |
| Core deposits to total deposits | 91.35% |
| Brokered deposits to total deposits | 2.31% |
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 | 88.09% | 95.78% | $0 | $17.0M |
| Q4 2023 | 90.20% | 89.46% | $0 | $17.0M |
| Q1 2024 | 93.34% | 91.02% | $350K | $22.5M |
| Q2 2024 | 86.87% | 91.50% | $0 | $25.0M |
| Q3 2024 | 90.17% | 88.96% | $0 | $10.0M |
| Q4 2024 | 94.64% | 88.12% | $0 | $14.0M |
| Q1 2025 | 94.50% | 87.93% | $0 | $14.0M |
| Q2 2025 | 94.25% | 88.59% | $0 | $12.3M |
| Q3 2025 | 94.50% | 88.98% | $0 | $12.3M |
| Q4 2025 | 94.57% | 89.04% | $0 | $12.3M |
| Q1 2026 | 94.75% | 90.53% | $0 | $10.0M |
| Q2 2026 | 94.41% | 91.35% | $0 | $10.0M |
Farmers & Merchants Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & 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 Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9462) · FFIEC NIC profile (RSSD 176325)