Farmers & Merchants Bank of Central California: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Farmers & Merchants Bank of Central California reported a loan-to-deposit ratio of 72.68% as of Q2 2026, ranking #2,595 of 3,651 U.S. banks (29th percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is Farmers & Merchants Bank of Central California's Loan-to-Deposit Ratio?
Farmers & Merchants Bank of Central California's Loan-to-Deposit Ratio was 72.68% as of Q2 2026, ranking #2595 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More Farmers & Merchants Bank of Central California metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Farmers & Merchants Bank of Central California profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)