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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 11.64 percentage points higher than in Q1 2026, at 65.41%. Within Georgia, Farmers & Merchants Bank is 105th of 122 on loan-to-deposit ratio, 55.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers & Merchants Bank sits 25.67 points lower, at 55.17% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $37.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $143.9M |
| 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 | 55.17% |
| Net loans and leases to deposits | 54.35% |
| Loans and leases to core deposits | 65.41% |
| Core deposits to total deposits | 84.35% |
| 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 | 48.19% | 82.37% | $0 | $10.0M |
| Q4 2023 | 46.33% | 82.82% | $0 | $10.0M |
| Q1 2024 | 49.45% | 87.26% | $0 | $10.0M |
| Q2 2024 | 52.75% | 87.40% | $0 | $10.0M |
| Q3 2024 | 48.42% | 76.67% | $0 | $0 |
| Q4 2024 | 45.55% | 77.57% | $0 | $0 |
| Q1 2025 | 45.79% | 80.42% | $0 | $0 |
| Q2 2025 | 42.98% | 82.15% | $0 | $0 |
| Q3 2025 | 43.43% | 84.12% | $0 | $0 |
| Q4 2025 | 42.46% | 86.64% | $0 | $0 |
| Q1 2026 | 45.50% | 84.62% | $0 | $0 |
| Q2 2026 | 55.17% | 84.35% | $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 9069) · FFIEC NIC profile (RSSD 64730)