Merchants & 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.
Loan-to-deposit ratio climbed 1.69 percentage points in Q2 2026, from 51.63% to 53.32%. It was the largest change from Q1 2026 among the key lines here. Merchants & Planters Bank has the 6th lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 53.32% as of Q2 2026. Merchants & Planters Bank reported 53.32% on loan-to-deposit ratio for Q2 2026, 27.52 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $78.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $174.1M |
| 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 | $328K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.32% |
| Net loans and leases to deposits | 52.84% |
| Loans and leases to core deposits | 57.73% |
| Core deposits to total deposits | 92.29% |
| Brokered deposits to total deposits | 0.08% |
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 | 66.24% | 89.71% | $0 | $20.5M |
| Q4 2023 | 56.32% | 93.02% | $0 | $5.5M |
| Q1 2024 | 54.33% | 92.28% | $0 | $454K |
| Q2 2024 | 60.78% | 91.87% | $0 | $440K |
| Q3 2024 | 67.25% | 91.42% | $0 | $426K |
| Q4 2024 | 62.64% | 90.98% | $0 | $412K |
| Q1 2025 | 56.92% | 92.08% | $0 | $398K |
| Q2 2025 | 59.64% | 91.33% | $0 | $383K |
| Q3 2025 | 57.11% | 91.35% | $0 | $373K |
| Q4 2025 | 52.95% | 90.80% | $0 | $353K |
| Q1 2026 | 51.63% | 91.84% | $0 | $338K |
| Q2 2026 | 53.32% | 92.29% | $0 | $328K |
Merchants & 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 & 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 & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16464) · FFIEC NIC profile (RSSD 99143)