The Farmers Bank and Savings Company: 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.
Other borrowed money dropped 99.0% in Q2 2026, from $4.5M to $46K. It was the largest change from Q1 2026 among the key lines here. The Farmers Bank and Savings Company ranks 90th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 79.31% (Q2 2026). At 79.31%, The Farmers Bank and Savings Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $107.0M |
| 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 | $667K |
| Other borrowed money | $46K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.31% |
| Net loans and leases to deposits | 78.51% |
| Loans and leases to core deposits | 88.27% |
| Core deposits to total deposits | 89.85% |
| 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 | 73.01% | 92.98% | $0 | $9.7M |
| Q4 2023 | 71.61% | 92.29% | $0 | $79K |
| Q1 2024 | 69.62% | 91.69% | $0 | $78K |
| Q2 2024 | 69.98% | 91.39% | $507K | $71K |
| Q3 2024 | 72.24% | 91.18% | $291K | $64K |
| Q4 2024 | 70.77% | 90.59% | $0 | $63K |
| Q1 2025 | 70.37% | 90.45% | $0 | $63K |
| Q2 2025 | 72.03% | 90.66% | $750K | $57K |
| Q3 2025 | 74.84% | 90.48% | $620K | $52K |
| Q4 2025 | 77.16% | 90.12% | $0 | $51K |
| Q1 2026 | 78.64% | 89.52% | $0 | $4.5M |
| Q2 2026 | 79.31% | 89.85% | $667K | $46K |
The Farmers Bank and Savings Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank and Savings Company, 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 Farmers Bank and Savings Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 769) · FFIEC NIC profile (RSSD 58225)