Farmers Bank and Trust 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 climbed 446.1% in Q2 2026, from $2.4M to $12.8M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Farmers Bank and Trust Company is 43rd of 120 on loan-to-deposit ratio, 87.59% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers Bank and Trust Company sits 6.64 points higher, at 87.59% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $52.8M |
| 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 | $12.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.18% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.59% |
| Net loans and leases to deposits | 86.48% |
| Loans and leases to core deposits | 96.16% |
| Core deposits to total deposits | 88.76% |
| Brokered deposits to total deposits | 2.32% |
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 | 70.74% | 90.47% | $0 | $7.5M |
| Q4 2023 | 69.43% | 92.70% | $0 | $481K |
| Q1 2024 | 70.68% | 93.58% | $0 | $472K |
| Q2 2024 | 73.91% | 91.50% | $1.6M | $455K |
| Q3 2024 | 78.20% | 90.97% | $1.5M | $3.4M |
| Q4 2024 | 81.97% | 92.58% | $3.4M | $6.4M |
| Q1 2025 | 78.10% | 87.33% | $0 | $2.8M |
| Q2 2025 | 82.20% | 88.92% | $0 | $3.4M |
| Q3 2025 | 85.84% | 87.42% | $1.6M | $6.4M |
| Q4 2025 | 85.65% | 90.84% | $3.0M | $6.4M |
| Q1 2026 | 82.52% | 86.25% | $0 | $2.4M |
| Q2 2026 | 87.59% | 88.76% | $0 | $12.8M |
Farmers Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank and Trust 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 Farmers Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2765) · FFIEC NIC profile (RSSD 46941)