Farmers 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 Q3 2026 was in Fed funds sold and reverse repos: 19.8% lower than in Q2 2026, at $1.3M. Within Colorado, Farmers Bank is 52nd of 63 on loan-to-deposit ratio, 61.48% as of Q3 2026, below the middle of the field. Farmers Bank reported 60.91% on loan-to-deposit ratio for Q3 2026, 20.04 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $41.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $119.3M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.44% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 60.91% |
| Net loans and leases to deposits | 59.97% |
| Loans and leases to core deposits | 80.29% |
| Core deposits to total deposits | 75.86% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 59.76% | 73.78% | $0 | $0 |
| Q1 2024 | 58.59% | 75.10% | $0 | $0 |
| Q2 2024 | 60.67% | 72.91% | $0 | $0 |
| Q3 2024 | 62.30% | 75.90% | $0 | $0 |
| Q4 2024 | 61.98% | 76.43% | $0 | $0 |
| Q1 2025 | 62.08% | 76.73% | $0 | $0 |
| Q2 2025 | 65.69% | 72.54% | $0 | $0 |
| Q3 2025 | 58.98% | 70.32% | $0 | $0 |
| Q4 2025 | 62.13% | 73.92% | $0 | $0 |
| Q1 2026 | 62.17% | 74.13% | $0 | $0 |
| Q2 2026 | 61.48% | 74.10% | $0 | $0 |
| Q3 2026 | 60.91% | 75.86% | $0 | $0 |
Farmers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers 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 Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57335) · FFIEC NIC profile (RSSD 3020447)