The Farmers Bank of Willards: 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: 49.5% higher than in Q1 2026, at $9.5M. The Farmers Bank of Willards ranks 18th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 83.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers Bank of Willards sits 3.13 points higher, at 83.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $34.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.6M |
| Fed funds sold and reverse repos | $9.5M |
| Fed funds sold and reverse repos to assets | 1.73% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.10% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.97% |
| Net loans and leases to deposits | 83.02% |
| Loans and leases to core deposits | 90.83% |
| Core deposits to total deposits | 92.45% |
| 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 | 82.58% | 94.32% | $0 | $43.1M |
| Q4 2023 | 86.86% | 93.44% | $0 | $62.5M |
| Q1 2024 | 85.54% | 93.38% | $0 | $62.5M |
| Q2 2024 | 84.44% | 93.48% | $0 | $62.4M |
| Q3 2024 | 83.85% | 92.50% | $0 | $61.9M |
| Q4 2024 | 79.70% | 91.74% | $0 | $29.3M |
| Q1 2025 | 79.75% | 90.94% | $0 | $29.3M |
| Q2 2025 | 81.81% | 89.00% | $0 | $24.2M |
| Q3 2025 | 83.23% | 89.51% | $0 | $21.7M |
| Q4 2025 | 83.36% | 88.22% | $0 | $16.0M |
| Q1 2026 | 84.80% | 92.43% | $0 | $6.0M |
| Q2 2026 | 83.97% | 92.45% | $0 | $6.0M |
The Farmers Bank of Willards 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 Willards, 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 Willards profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5885) · FFIEC NIC profile (RSSD 105026)