Merchants Commercial 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.
Fed funds sold and reverse repos dropped 67.2% in Q2 2026, from $25.2M to $8.3M. It was the largest change from Q1 2026 among the key lines here. Merchants Commercial Bank reported 60.18% on loan-to-deposit ratio for Q2 2026, 20.37 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $254.2M |
| Fed funds sold and reverse repos | $8.3M |
| Fed funds sold and reverse repos to assets | 1.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $76.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.18% |
| Net loans and leases to deposits | 59.59% |
| Loans and leases to core deposits | 61.99% |
| Core deposits to total deposits | 73.37% |
| Brokered deposits to total deposits | 23.71% |
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 | 48.84% | 86.81% | $0 | $86.2M |
| Q4 2023 | 47.43% | 85.58% | $0 | $111.9M |
| Q1 2024 | 49.77% | 85.63% | $0 | $91.9M |
| Q2 2024 | 49.49% | 83.39% | $0 | $101.9M |
| Q3 2024 | 56.07% | 81.78% | $0 | $101.9M |
| Q4 2024 | 51.82% | 71.73% | $0 | $86.9M |
| Q1 2025 | 49.84% | 73.31% | $0 | $86.9M |
| Q2 2025 | 51.95% | 72.74% | $0 | $81.9M |
| Q3 2025 | 54.64% | 66.09% | $0 | $81.9M |
| Q4 2025 | 59.28% | 69.47% | $0 | $81.9M |
| Q1 2026 | 54.77% | 69.61% | $0 | $81.9M |
| Q2 2026 | 60.18% | 73.37% | $0 | $76.9M |
Merchants Commercial Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58184) · FFIEC NIC profile (RSSD 3487433)