Merit 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.
Other borrowed money climbed 212.4% in Q2 2026, from $24.2M to $75.8M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Merit Bank is 11th of 93 on loan-to-deposit ratio, 89.61% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Merit Bank sits 8.77 points higher, at 89.61% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $159.3M |
| Fed funds sold and reverse repos | $534K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $75.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.61% |
| Net loans and leases to deposits | 88.75% |
| Loans and leases to core deposits | 100.64% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 8.96% |
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 | 86.82% | 93.82% | $0 | $40.9M |
| Q4 2023 | 87.93% | 93.27% | $0 | $47.4M |
| Q1 2024 | 78.74% | 89.61% | $0 | $28.4M |
| Q2 2024 | 81.22% | 88.84% | $0 | $28.4M |
| Q3 2024 | 77.70% | 86.93% | $0 | $28.4M |
| Q4 2024 | 85.24% | 86.33% | $0 | $40.4M |
| Q1 2025 | 76.52% | 86.13% | $0 | $13.0M |
| Q2 2025 | 81.50% | 87.69% | $0 | $35.0M |
| Q3 2025 | 79.30% | 92.19% | $0 | $17.0M |
| Q4 2025 | 85.53% | 90.18% | $0 | $39.8M |
| Q1 2026 | 80.34% | 88.83% | $0 | $24.2M |
| Q2 2026 | 89.61% | 89.04% | $0 | $75.8M |
Merit Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Merit 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 Merit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15270) · FFIEC NIC profile (RSSD 290838)