The 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 100.0% lower than in Q1 2026, at $0. The Merchants & Planters Bank has the 2nd lowest loan-to-deposit ratio of the 78 banks headquartered in Arkansas, at 44.46% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Merchants & Planters Bank sits 23.16 points lower, at 44.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.9M |
| 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 | $400K |
| 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 | 44.46% |
| Net loans and leases to deposits | 44.18% |
| Loans and leases to core deposits | 51.27% |
| Core deposits to total deposits | 86.72% |
| 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 | 39.68% | 94.73% | $0 | $0 |
| Q4 2023 | 32.57% | 95.09% | $0 | $0 |
| Q1 2024 | 35.47% | 93.58% | $0 | $0 |
| Q2 2024 | 38.93% | 93.52% | $0 | $0 |
| Q3 2024 | 40.68% | 92.12% | $0 | $0 |
| Q4 2024 | 37.67% | 92.71% | $0 | $0 |
| Q1 2025 | 41.10% | 91.92% | $0 | $0 |
| Q2 2025 | 42.00% | 92.08% | $0 | $0 |
| Q3 2025 | 42.46% | 88.74% | $0 | $0 |
| Q4 2025 | 34.57% | 92.12% | $0 | $0 |
| Q1 2026 | 36.79% | 86.63% | $0 | $0 |
| Q2 2026 | 44.46% | 86.72% | $400K | $0 |
The 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 The 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 The Merchants & Planters Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 107) · FFIEC NIC profile (RSSD 691042)