The Fairmount State 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.
Loans and leases to core deposits climbed 3.58 percentage points in Q2 2026, from 94.84% to 98.42%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The Fairmount State Bank is 26th of 87 on loan-to-deposit ratio, 91.00% as of Q2 2026, above the middle of the field. The Fairmount State Bank reported 91.00% on loan-to-deposit ratio for Q2 2026, 23.37 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.1M |
| 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 | $1.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.00% |
| Net loans and leases to deposits | 88.74% |
| Loans and leases to core deposits | 98.42% |
| 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 | 90.38% | 95.93% | $0 | $5.5M |
| Q4 2023 | 91.11% | 95.01% | $0 | $5.5M |
| Q1 2024 | 82.50% | 94.34% | $0 | $0 |
| Q2 2024 | 84.12% | 94.18% | $0 | $0 |
| Q3 2024 | 87.40% | 95.13% | $0 | $1.0M |
| Q4 2024 | 87.07% | 95.27% | $0 | $0 |
| Q1 2025 | 83.45% | 95.32% | $0 | $0 |
| Q2 2025 | 88.15% | 95.28% | $0 | $750K |
| Q3 2025 | 94.37% | 94.33% | $0 | $3.5M |
| Q4 2025 | 96.49% | 94.14% | $0 | $3.5M |
| Q1 2026 | 88.43% | 93.25% | $0 | $0 |
| Q2 2026 | 91.00% | 92.46% | $0 | $1.0M |
The Fairmount State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairmount State 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 Fairmount State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1829) · FFIEC NIC profile (RSSD 503547)