Mechanics & Farmers 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: 38.7% lower than in Q1 2026, at $20.5M. Mechanics & Farmers Bank ranks 33rd of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 68.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mechanics & Farmers Bank sits 12.11 points lower, at 68.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.6M |
| 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 | $13K |
| 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 | 68.73% |
| Net loans and leases to deposits | 67.75% |
| Loans and leases to core deposits | 72.94% |
| Core deposits to total deposits | 84.61% |
| Brokered deposits to total deposits | 9.62% |
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 | 71.54% | 94.64% | $0 | $33K |
| Q4 2023 | 74.13% | 93.90% | $0 | $30K |
| Q1 2024 | 75.15% | 93.78% | $0 | $26K |
| Q2 2024 | 71.94% | 94.08% | $0 | $23K |
| Q3 2024 | 68.84% | 89.34% | $0 | $19K |
| Q4 2024 | 66.03% | 86.86% | $0 | $24K |
| Q1 2025 | 66.99% | 87.04% | $0 | $31K |
| Q2 2025 | 67.20% | 86.24% | $0 | $26K |
| Q3 2025 | 65.78% | 86.02% | $0 | $21K |
| Q4 2025 | 68.82% | 85.06% | $0 | $18K |
| Q1 2026 | 66.01% | 85.90% | $0 | $16K |
| Q2 2026 | 68.73% | 84.61% | $0 | $13K |
Mechanics & Farmers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics & Farmers 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 Mechanics & Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12266) · FFIEC NIC profile (RSSD 332224)