Farmers & Merchants Bank of Central California: 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.
Cash and balances due from depository institutions dropped 27.4% in Q2 2026, from $388.2M to $281.9M. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank of Central California ranks 94th of 114 California banks on loan-to-deposit ratio, in the lower half at 72.68% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers & Merchants Bank of Central California sits 15.53 points lower, at 72.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $281.9M |
| Cash and noninterest-bearing balances to assets | 4.83% |
| Cash and securities | $1.91B |
| 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 | 72.68% |
| Net loans and leases to deposits | 71.16% |
| Loans and leases to core deposits | 78.88% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 1.57% |
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 | 74.84% | 93.52% | $0 | $0 |
| Q4 2023 | 78.24% | 93.17% | $0 | $0 |
| Q1 2024 | 74.49% | 86.33% | $0 | $100.0M |
| Q2 2024 | 80.04% | 91.29% | $0 | $0 |
| Q3 2024 | 78.61% | 91.36% | $0 | $0 |
| Q4 2024 | 78.16% | 91.82% | $0 | $0 |
| Q1 2025 | 71.94% | 87.23% | $0 | $0 |
| Q2 2025 | 76.05% | 92.07% | $0 | $140K |
| Q3 2025 | 73.47% | 91.84% | $0 | $0 |
| Q4 2025 | 73.19% | 92.01% | $0 | $0 |
| Q1 2026 | 70.63% | 91.14% | $0 | $0 |
| Q2 2026 | 72.68% | 90.56% | $0 | $0 |
Farmers & Merchants Bank of Central California 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 of Central California, 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 of Central California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)