The Mer Rouge State 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.
Loans and leases to core deposits climbed 8.89 percentage points in Q2 2026, from 73.73% to 82.62%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, The Mer Rouge State Bank is 61st of 103 on loan-to-deposit ratio, 76.00% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The Mer Rouge State Bank sits 8.08 points higher, at 76.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.6M |
| 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 | $991K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.91% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.00% |
| Net loans and leases to deposits | 75.28% |
| Loans and leases to core deposits | 82.62% |
| Core deposits to total deposits | 91.99% |
| Brokered deposits to total deposits | 0.00% |
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 | 46.68% | 94.68% | $0 | $0 |
| Q4 2023 | 41.68% | 94.84% | $0 | $0 |
| Q1 2024 | 49.94% | 93.62% | $0 | $0 |
| Q2 2024 | 59.97% | 91.98% | $0 | $0 |
| Q3 2024 | 64.11% | 91.21% | $0 | $0 |
| Q4 2024 | 49.23% | 91.73% | $0 | $0 |
| Q1 2025 | 52.17% | 91.59% | $0 | $0 |
| Q2 2025 | 61.10% | 90.68% | $0 | $0 |
| Q3 2025 | 66.05% | 91.52% | $0 | $0 |
| Q4 2025 | 56.53% | 91.49% | $0 | $0 |
| Q1 2026 | 67.73% | 91.86% | $0 | $0 |
| Q2 2026 | 76.00% | 91.99% | $0 | $991K |
The Mer Rouge State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Mer Rouge State 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 Mer Rouge State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 314) · FFIEC NIC profile (RSSD 741956)