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.
Fed funds sold and reverse repos dropped 22.1% in Q2 2026, from $5.0M to $3.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers & Merchants Bank is 1st from the bottom among 93 Alabama banks, 6.16% (Q2 2026). Farmers & Merchants Bank's loan-to-deposit ratio of 6.16% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 61.46 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.3M |
| Fed funds sold and reverse repos | $3.9M |
| Fed funds sold and reverse repos to assets | 3.94% |
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 | 6.16% |
| Net loans and leases to deposits | 5.94% |
| Loans and leases to core deposits | 7.78% |
| Core deposits to total deposits | 79.19% |
| 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 | 4.85% | 85.23% | $0 | $0 |
| Q4 2023 | 5.05% | 85.72% | $0 | $0 |
| Q1 2024 | 5.19% | 83.99% | $0 | $0 |
| Q2 2024 | 5.96% | 82.51% | $0 | $0 |
| Q3 2024 | 6.47% | 81.54% | $0 | $0 |
| Q4 2024 | 6.49% | 83.19% | $0 | $0 |
| Q1 2025 | 6.59% | 83.05% | $0 | $0 |
| Q2 2025 | 6.26% | 82.99% | $0 | $0 |
| Q3 2025 | 6.59% | 83.13% | $0 | $0 |
| Q4 2025 | 6.12% | 82.63% | $0 | $0 |
| Q1 2026 | 5.65% | 79.67% | $0 | $0 |
| Q2 2026 | 6.16% | 79.19% | $0 | $0 |
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 1745) · FFIEC NIC profile (RSSD 291732)