Merchants & Farmers Bank of Greene County: 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 to assets dropped 3.38 percentage points in Q2 2026, from 12.32% to 8.94%. It was the largest change from Q1 2026 among the key lines here. Merchants & Farmers Bank of Greene County ranks 46th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 68.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Merchants & Farmers Bank of Greene County sits 11.89 points lower, at 68.95% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $49.3M |
| Fed funds sold and reverse repos | $12.2M |
| Fed funds sold and reverse repos to assets | 8.94% |
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 | 68.95% |
| Net loans and leases to deposits | 68.14% |
| Loans and leases to core deposits | 90.31% |
| Core deposits to total deposits | 67.29% |
| Brokered deposits to total deposits | 9.05% |
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 | 72.64% | 84.28% | $0 | $2.0M |
| Q4 2023 | 65.85% | 79.11% | $0 | $0 |
| Q1 2024 | 68.20% | 77.75% | $0 | $0 |
| Q2 2024 | 69.82% | 76.24% | $0 | $0 |
| Q3 2024 | 67.17% | 76.84% | $0 | $0 |
| Q4 2024 | 63.96% | 76.49% | $0 | $0 |
| Q1 2025 | 65.82% | 76.05% | $0 | $0 |
| Q2 2025 | 66.97% | 75.82% | $0 | $0 |
| Q3 2025 | 65.78% | 74.10% | $0 | $0 |
| Q4 2025 | 68.02% | 71.11% | $0 | $0 |
| Q1 2026 | 67.73% | 69.48% | $0 | $0 |
| Q2 2026 | 68.95% | 67.29% | $0 | $0 |
Merchants & Farmers Bank of Greene County liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank of Greene County, 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 & Farmers Bank of Greene County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 855) · FFIEC NIC profile (RSSD 376237)