Merchants and 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 Other borrowed money to assets: 3.36 percentage points higher than in Q1 2026, at 3.40%. Merchants and Farmers Bank ranks 27th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 91.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Merchants and Farmers Bank sits 10.48 points higher, at 91.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.2M |
| Fed funds sold and reverse repos | $23.4M |
| Fed funds sold and reverse repos to assets | 7.86% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.42% |
| Net loans and leases to deposits | 90.26% |
| Loans and leases to core deposits | 108.92% |
| Core deposits to total deposits | 83.08% |
| Brokered deposits to total deposits | 0.85% |
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 | 94.51% | 90.15% | $0 | $10.1M |
| Q4 2023 | 94.66% | 88.48% | $0 | $10.1M |
| Q1 2024 | 97.07% | 87.85% | $0 | $10.1M |
| Q2 2024 | 94.19% | 88.64% | $0 | $10.1M |
| Q3 2024 | 95.62% | 82.71% | $0 | $10.1M |
| Q4 2024 | 96.42% | 85.95% | $0 | $10.1M |
| Q1 2025 | 93.59% | 82.48% | $0 | $10.1M |
| Q2 2025 | 94.52% | 81.45% | $0 | $10.1M |
| Q3 2025 | 95.23% | 81.51% | $0 | $10.1M |
| Q4 2025 | 95.69% | 81.10% | $0 | $10.1M |
| Q1 2026 | 88.78% | 80.97% | $0 | $107K |
| Q2 2026 | 91.42% | 83.08% | $0 | $10.1M |
Merchants and Farmers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants and 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 Merchants and Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8735) · FFIEC NIC profile (RSSD 644842)