Farmers Bank of Northern Missouri: 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.
Fed funds sold and reverse repos dropped 44.9% in Q2 2026, from $13.8M to $7.6M. It was the largest change from Q1 2026 among the key lines here. Farmers Bank of Northern Missouri ranks 157th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 68.91% (Q2 2026). Farmers Bank of Northern Missouri reported 68.91% on loan-to-deposit ratio for Q2 2026, 12.04 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $210.1M |
| Fed funds sold and reverse repos | $7.6M |
| Fed funds sold and reverse repos to assets | 1.34% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $19.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.91% |
| Net loans and leases to deposits | 68.08% |
| Loans and leases to core deposits | 74.06% |
| Core deposits to total deposits | 93.04% |
| 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 | 61.27% | 94.40% | $0 | $35.0M |
| Q4 2023 | 59.80% | 94.34% | $0 | $35.0M |
| Q1 2024 | 60.27% | 94.20% | $0 | $35.0M |
| Q2 2024 | 60.38% | 92.97% | $0 | $23.0M |
| Q3 2024 | 63.10% | 92.71% | $0 | $23.0M |
| Q4 2024 | 61.12% | 92.97% | $0 | $23.0M |
| Q1 2025 | 62.25% | 92.89% | $0 | $19.0M |
| Q2 2025 | 66.54% | 92.70% | $0 | $19.0M |
| Q3 2025 | 66.15% | 92.56% | $0 | $19.0M |
| Q4 2025 | 64.83% | 93.38% | $0 | $19.0M |
| Q1 2026 | 65.47% | 93.17% | $0 | $19.0M |
| Q2 2026 | 68.91% | 93.04% | $0 | $19.0M |
Farmers Bank of Northern Missouri liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank of Northern Missouri, 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 of Northern Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4539) · FFIEC NIC profile (RSSD 303952)