The Citizens-Farmers Bank of Cole Camp: 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 climbed 3.59 percentage points in Q2 2026, from 0.06% to 3.65%. It was the largest change from Q1 2026 among the key lines here. The Citizens-Farmers Bank of Cole Camp ranks 136th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 74.58% (Q2 2026). The Citizens-Farmers Bank of Cole Camp reported 74.58% on loan-to-deposit ratio for Q2 2026, 6.26 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 | $21.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.9M |
| Fed funds sold and reverse repos | $7.6M |
| Fed funds sold and reverse repos to assets | 3.65% |
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 | 74.58% |
| Net loans and leases to deposits | 73.58% |
| Loans and leases to core deposits | 82.15% |
| Core deposits to total deposits | 90.78% |
| 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 | 84.95% | 93.31% | $0 | $6.0M |
| Q4 2023 | 86.24% | 92.47% | $1.8M | $9.0M |
| Q1 2024 | 82.20% | 91.70% | $0 | $0 |
| Q2 2024 | 80.03% | 92.52% | $0 | $0 |
| Q3 2024 | 80.26% | 90.77% | $0 | $0 |
| Q4 2024 | 82.55% | 90.72% | $0 | $0 |
| Q1 2025 | 78.82% | 91.23% | $0 | $0 |
| Q2 2025 | 77.31% | 92.11% | $0 | $0 |
| Q3 2025 | 77.76% | 90.98% | $0 | $0 |
| Q4 2025 | 80.52% | 91.00% | $0 | $0 |
| Q1 2026 | 74.20% | 90.89% | $0 | $0 |
| Q2 2026 | 74.58% | 90.78% | $0 | $0 |
The Citizens-Farmers Bank of Cole Camp liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens-Farmers Bank of Cole Camp, 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 Citizens-Farmers Bank of Cole Camp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11463) · FFIEC NIC profile (RSSD 385547)