The 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 44.7% in Q2 2026, from $33.6M to $18.6M. It was the largest change from Q1 2026 among the key lines here. The Farmers & Merchants Bank ranks 47th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 83.33% (Q2 2026). The Farmers & Merchants Bank reported 83.33% on loan-to-deposit ratio for Q2 2026, 4.88 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $436.2M |
| Fed funds sold and reverse repos | $18.6M |
| Fed funds sold and reverse repos to assets | 0.92% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $6.8M |
| Other borrowed money | $48.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.33% |
| Net loans and leases to deposits | 82.25% |
| Loans and leases to core deposits | 89.46% |
| Core deposits to total deposits | 88.50% |
| Brokered deposits to total deposits | 4.65% |
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 | 83.84% | 93.36% | $10.5M | $132.0M |
| Q4 2023 | 81.67% | 94.20% | $9.1M | $130.8M |
| Q1 2024 | 83.81% | 93.55% | $9.5M | $169.6M |
| Q2 2024 | 86.71% | 93.06% | $5.1M | $168.6M |
| Q3 2024 | 86.21% | 92.99% | $9.4M | $127.4M |
| Q4 2024 | 85.27% | 93.19% | $6.5M | $81.1M |
| Q1 2025 | 84.12% | 91.21% | $8.1M | $64.9M |
| Q2 2025 | 87.51% | 90.64% | $8.2M | $119.6M |
| Q3 2025 | 84.18% | 87.04% | $5.4M | $87.3M |
| Q4 2025 | 85.35% | 90.75% | $7.7M | $95.1M |
| Q1 2026 | 81.67% | 87.98% | $6.4M | $39.8M |
| Q2 2026 | 83.33% | 88.50% | $6.8M | $48.5M |
The 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 The 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 The Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16216) · FFIEC NIC profile (RSSD 677644)