The Farmers Bank of Appomattox: 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 Other borrowed money: 500.0% higher than in Q1 2026, at $15.0M. The Farmers Bank of Appomattox ranks 31st of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 82.88% (Q2 2026). At 82.88%, The Farmers Bank of Appomattox'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 | $5.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.7M |
| Fed funds sold and reverse repos | $561K |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.7M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.88% |
| Net loans and leases to deposits | 82.37% |
| Loans and leases to core deposits | 89.43% |
| Core deposits to total deposits | 86.30% |
| Brokered deposits to total deposits | 6.38% |
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 | 76.19% | 89.16% | $2.0M | $0 |
| Q4 2023 | 71.85% | 83.58% | $2.3M | $0 |
| Q1 2024 | 69.85% | 84.10% | $1.9M | $0 |
| Q2 2024 | 70.44% | 82.78% | $1.9M | $0 |
| Q3 2024 | 71.46% | 82.50% | $1.7M | $0 |
| Q4 2024 | 74.70% | 85.41% | $2.2M | $5.0M |
| Q1 2025 | 72.89% | 86.24% | $2.8M | $2.0M |
| Q2 2025 | 73.63% | 85.85% | $2.5M | $5.0M |
| Q3 2025 | 75.86% | 84.99% | $2.7M | $0 |
| Q4 2025 | 77.98% | 85.21% | $2.5M | $5.0M |
| Q1 2026 | 77.93% | 86.15% | $2.7M | $2.5M |
| Q2 2026 | 82.88% | 86.30% | $2.7M | $15.0M |
The Farmers Bank of Appomattox 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 of Appomattox, 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 of Appomattox profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6813) · FFIEC NIC profile (RSSD 188720)