Merchants and Planters 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 Loans and leases to core deposits: 2.16 percentage points higher than in Q1 2026, at 64.58%. Within Mississippi, Merchants and Planters Bank is 48th of 57 on loan-to-deposit ratio, 59.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Merchants and Planters Bank sits 21.01 points lower, at 59.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.2M |
| 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 | $0 |
| 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 | 59.83% |
| Net loans and leases to deposits | 58.46% |
| Loans and leases to core deposits | 64.58% |
| Core deposits to total deposits | 92.65% |
| 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 | 56.34% | 94.18% | $0 | $0 |
| Q4 2023 | 57.24% | 94.26% | $0 | $0 |
| Q1 2024 | 59.62% | 93.91% | $0 | $0 |
| Q2 2024 | 62.60% | 93.23% | $0 | $0 |
| Q3 2024 | 55.89% | 94.08% | $0 | $0 |
| Q4 2024 | 47.84% | 92.69% | $0 | $0 |
| Q1 2025 | 53.24% | 92.28% | $0 | $0 |
| Q2 2025 | 56.42% | 91.47% | $0 | $0 |
| Q3 2025 | 53.37% | 91.42% | $0 | $0 |
| Q4 2025 | 52.01% | 93.19% | $0 | $0 |
| Q1 2026 | 57.98% | 92.88% | $0 | $0 |
| Q2 2026 | 59.83% | 92.65% | $0 | $0 |
Merchants and Planters 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 Planters 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 Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 327) · FFIEC NIC profile (RSSD 579636)