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 95.8% in Q2 2026, from $4.1M to $172K. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank ranks 68th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 57.06% (Q2 2026). Farmers & Merchants Bank reported 57.06% on loan-to-deposit ratio for Q2 2026, 23.78 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 | $9.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $136.8M |
| Fed funds sold and reverse repos | $172K |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.06% |
| Net loans and leases to deposits | 56.33% |
| Loans and leases to core deposits | 65.52% |
| Core deposits to total deposits | 87.09% |
| 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 | 54.84% | 90.95% | $0 | $7.5M |
| Q4 2023 | 50.88% | 91.17% | $0 | $0 |
| Q1 2024 | 53.61% | 89.84% | $0 | $0 |
| Q2 2024 | 53.95% | 88.25% | $0 | $0 |
| Q3 2024 | 57.32% | 87.73% | $2.6M | $0 |
| Q4 2024 | 54.77% | 87.97% | $0 | $0 |
| Q1 2025 | 51.22% | 87.34% | $0 | $0 |
| Q2 2025 | 49.89% | 86.87% | $0 | $0 |
| Q3 2025 | 50.26% | 86.60% | $0 | $0 |
| Q4 2025 | 51.49% | 87.80% | $0 | $0 |
| Q1 2026 | 52.74% | 87.47% | $0 | $0 |
| Q2 2026 | 57.06% | 87.09% | $0 | $6.0M |
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 1735) · FFIEC NIC profile (RSSD 434539)