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 Q2 2026 was in Loans and leases to core deposits: 5.45 percentage points higher than in Q1 2026, at 85.02%. Farmers Bank ranks 6th of 10 Idaho banks on loan-to-deposit ratio, in the lower half at 77.25% (Q2 2026). Farmers Bank reported 77.25% on loan-to-deposit ratio for Q2 2026, 3.59 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 | $75.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $232.4M |
| Fed funds sold and reverse repos | $15.1M |
| Fed funds sold and reverse repos to assets | 2.22% |
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 | 77.25% |
| Net loans and leases to deposits | 75.94% |
| Loans and leases to core deposits | 85.02% |
| Core deposits to total deposits | 90.86% |
| 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 |
|---|---|---|---|---|
| Q3 2023 | 65.36% | 95.32% | $0 | $64.5M |
| Q4 2023 | 62.56% | 94.33% | $0 | $35.0M |
| Q1 2024 | 67.01% | 93.58% | $0 | $60.0M |
| Q2 2024 | 70.51% | 92.71% | $0 | $70.7M |
| Q3 2024 | 72.82% | 92.55% | $0 | $55.4M |
| Q4 2024 | 68.86% | 93.04% | $0 | $0 |
| Q1 2025 | 69.44% | 91.69% | $0 | $0 |
| Q2 2025 | 75.67% | 91.37% | $0 | $8.5M |
| Q3 2025 | 78.43% | 91.80% | $0 | $0 |
| Q4 2025 | 71.92% | 91.68% | $0 | $0 |
| Q1 2026 | 72.51% | 91.13% | $0 | $0 |
| Q2 2026 | 77.25% | 90.86% | $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 2850) · FFIEC NIC profile (RSSD 307062)