First Farmers and 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 Cash and balances due from depository institutions: 42.1% lower than in Q1 2026, at $48.6M. First Farmers and Merchants Bank ranks 93rd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 66.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Farmers and Merchants Bank sits 21.86 points lower, at 66.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.6M |
| Cash and noninterest-bearing balances to assets | 2.75% |
| Cash and securities | $628.0M |
| Fed funds sold and reverse repos | $101K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.34% |
| Net loans and leases to deposits | 65.82% |
| Loans and leases to core deposits | 67.84% |
| Core deposits to total deposits | 94.43% |
| Brokered deposits to total deposits | 3.36% |
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 | 59.96% | 88.41% | $0 | $74.0M |
| Q4 2023 | 62.98% | 89.03% | $0 | $107.1M |
| Q1 2024 | 64.94% | 95.50% | $0 | $171.0M |
| Q2 2024 | 69.14% | 95.16% | $0 | $180.8M |
| Q3 2024 | 64.31% | 90.15% | $0 | $82.7M |
| Q4 2024 | 62.29% | 92.65% | $0 | $2.5M |
| Q1 2025 | 62.47% | 92.69% | $0 | $2.4M |
| Q2 2025 | 64.15% | 93.14% | $0 | $2.3M |
| Q3 2025 | 65.18% | 94.41% | $0 | $2.1M |
| Q4 2025 | 63.18% | 94.93% | $0 | $1.9M |
| Q1 2026 | 63.28% | 94.71% | $0 | $1.8M |
| Q2 2026 | 66.34% | 94.43% | $0 | $1.7M |
First Farmers and Merchants Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and 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 First Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1487) · FFIEC NIC profile (RSSD 150035)