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 Fed funds sold and reverse repos: 44.0% lower than in Q1 2026, at $3.1M. Within Kentucky, Farmers Bank is 92nd of 120 on loan-to-deposit ratio, 72.56% as of Q2 2026, below the middle of the field. Farmers Bank reported 72.56% on loan-to-deposit ratio for Q2 2026, 8.28 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 | $43.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $98.3M |
| Fed funds sold and reverse repos | $3.1M |
| Fed funds sold and reverse repos to assets | 1.11% |
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 | 72.56% |
| Net loans and leases to deposits | 71.57% |
| Loans and leases to core deposits | 88.93% |
| Core deposits to total deposits | 81.60% |
| 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 | 72.83% | 87.36% | $0 | $4.0M |
| Q4 2023 | 70.68% | 88.11% | $0 | $4.0M |
| Q1 2024 | 73.48% | 88.21% | $0 | $4.0M |
| Q2 2024 | 76.06% | 86.98% | $0 | $4.0M |
| Q3 2024 | 83.43% | 87.20% | $0 | $11.0M |
| Q4 2024 | 79.38% | 87.14% | $0 | $3.0M |
| Q1 2025 | 81.56% | 85.63% | $0 | $3.0M |
| Q2 2025 | 85.63% | 85.05% | $0 | $6.0M |
| Q3 2025 | 83.81% | 84.87% | $0 | $0 |
| Q4 2025 | 77.93% | 84.88% | $0 | $0 |
| Q1 2026 | 76.22% | 83.52% | $0 | $0 |
| Q2 2026 | 72.56% | 81.60% | $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 14894) · FFIEC NIC profile (RSSD 485214)