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.
Other borrowed money dropped 100.0% in Q2 2026, from $12.0M to $0. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank ranks 64th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 79.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Farmers & Merchants Bank reported 79.12% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $126.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $226.0M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 0.32% |
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 | 79.12% |
| Net loans and leases to deposits | 78.14% |
| Loans and leases to core deposits | 95.34% |
| Core deposits to total deposits | 82.98% |
| 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 | 79.95% | 88.69% | $0 | $5.0M |
| Q4 2023 | 80.82% | 87.20% | $0 | $5.0M |
| Q1 2024 | 78.55% | 87.70% | $0 | $0 |
| Q2 2024 | 82.00% | 86.73% | $0 | $15.0M |
| Q3 2024 | 86.47% | 86.33% | $0 | $25.0M |
| Q4 2024 | 78.10% | 84.83% | $0 | $0 |
| Q1 2025 | 80.73% | 83.35% | $0 | $0 |
| Q2 2025 | 83.04% | 81.93% | $0 | $0 |
| Q3 2025 | 82.25% | 81.77% | $0 | $0 |
| Q4 2025 | 89.43% | 82.53% | $0 | $20.0M |
| Q1 2026 | 85.73% | 82.14% | $0 | $12.0M |
| Q2 2026 | 79.12% | 82.98% | $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 5716) · FFIEC NIC profile (RSSD 763930)