The Merchants & Citizens 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: 1.24 percentage points higher than in Q1 2026, at 46.36%. The Merchants & Citizens Bank has the 9th lowest loan-to-deposit ratio of the 122 banks headquartered in Georgia, at 41.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Merchants & Citizens Bank sits 39.59 points lower, at 41.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.4M |
| 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 | 41.36% |
| Net loans and leases to deposits | 40.45% |
| Loans and leases to core deposits | 46.36% |
| Core deposits to total deposits | 89.21% |
| 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 | 34.18% | 94.25% | $0 | $0 |
| Q4 2023 | 34.10% | 93.65% | $0 | $0 |
| Q1 2024 | 32.97% | 92.46% | $0 | $0 |
| Q2 2024 | 34.57% | 92.79% | $0 | $0 |
| Q3 2024 | 37.26% | 90.35% | $0 | $0 |
| Q4 2024 | 36.38% | 88.14% | $0 | $0 |
| Q1 2025 | 36.01% | 88.78% | $0 | $0 |
| Q2 2025 | 38.21% | 89.53% | $0 | $0 |
| Q3 2025 | 40.62% | 89.10% | $0 | $0 |
| Q4 2025 | 42.07% | 88.69% | $0 | $0 |
| Q1 2026 | 40.39% | 89.53% | $0 | $0 |
| Q2 2026 | 41.36% | 89.21% | $0 | $0 |
The Merchants & Citizens Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Merchants & Citizens 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 Merchants & Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 183) · FFIEC NIC profile (RSSD 784430)