Merchants & Farmers Bank & Trust Company: 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.
Core deposits to total deposits fell 0.63 percentage points from Q1 2026 to Q2 2026, ending at 92.46% against 93.09%. It was the largest change among the key lines on this page. Within Louisiana, Merchants & Farmers Bank & Trust Company is 86th of 103 on loan-to-deposit ratio, 55.70% 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 & Farmers Bank & Trust Company sits 25.14 points lower, at 55.70% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $82.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $247.7M |
| 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 | 55.70% |
| Net loans and leases to deposits | 55.10% |
| Loans and leases to core deposits | 60.24% |
| Core deposits to total deposits | 92.46% |
| 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 | 63.69% | 94.63% | $0 | $25.5M |
| Q4 2023 | 62.56% | 94.65% | $0 | $18.6M |
| Q1 2024 | 61.86% | 93.37% | $0 | $6.0M |
| Q2 2024 | 59.51% | 93.02% | $0 | $6.5M |
| Q3 2024 | 54.02% | 93.45% | $0 | $0 |
| Q4 2024 | 56.34% | 92.77% | $0 | $0 |
| Q1 2025 | 53.47% | 93.60% | $0 | $0 |
| Q2 2025 | 52.78% | 93.02% | $0 | $0 |
| Q3 2025 | 56.83% | 92.98% | $0 | $0 |
| Q4 2025 | 56.01% | 93.34% | $0 | $0 |
| Q1 2026 | 55.85% | 93.09% | $0 | $0 |
| Q2 2026 | 55.70% | 92.46% | $0 | $0 |
Merchants & Farmers Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9319) · FFIEC NIC profile (RSSD 136338)