Mercer Savings 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.
Other borrowed money climbed 400.0% in Q2 2026, from $1.0M to $5.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Mercer Savings Bank ranks 13th highest among the 156 banks headquartered in Ohio, at 103.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mercer Savings Bank sits 22.86 points higher, at 103.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.4M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 1.35% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.70% |
| Net loans and leases to deposits | 103.08% |
| Loans and leases to core deposits | 106.15% |
| Core deposits to total deposits | 82.59% |
| Brokered deposits to total deposits | 15.10% |
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 | 106.30% | 92.96% | $0 | $12.0M |
| Q4 2023 | 104.24% | 85.48% | $0 | $11.0M |
| Q1 2024 | 105.35% | 91.46% | $0 | $13.0M |
| Q2 2024 | 111.52% | 91.44% | $0 | $20.0M |
| Q3 2024 | 113.80% | 86.03% | $0 | $22.0M |
| Q4 2024 | 114.70% | 86.64% | $0 | $22.0M |
| Q1 2025 | 109.42% | 83.16% | $0 | $17.0M |
| Q2 2025 | 107.63% | 82.99% | $0 | $11.0M |
| Q3 2025 | 103.68% | 82.98% | $0 | $6.0M |
| Q4 2025 | 100.79% | 80.27% | $0 | $1.0M |
| Q1 2026 | 100.37% | 82.83% | $0 | $1.0M |
| Q2 2026 | 103.70% | 82.59% | $0 | $5.0M |
Mercer Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer Savings 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 Mercer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30084) · FFIEC NIC profile (RSSD 661072)