The Farmers Bank: 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.
Cash and balances due from depository institutions dropped 23.8% in Q2 2026, from $43.5M to $33.2M. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, The Farmers Bank is 69th of 109 on loan-to-deposit ratio, 78.60% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Farmers Bank reported 78.60% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $261.7M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.60% |
| Net loans and leases to deposits | 77.64% |
| Loans and leases to core deposits | 95.88% |
| Core deposits to total deposits | 81.98% |
| 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 | 77.45% | 88.86% | $0 | $13.0M |
| Q4 2023 | 74.62% | 88.09% | $0 | $0 |
| Q1 2024 | 75.91% | 88.63% | $0 | $0 |
| Q2 2024 | 76.07% | 84.85% | $0 | $0 |
| Q3 2024 | 75.69% | 83.50% | $0 | $0 |
| Q4 2024 | 74.11% | 84.60% | $0 | $0 |
| Q1 2025 | 76.07% | 84.58% | $0 | $0 |
| Q2 2025 | 78.55% | 86.18% | $0 | $5.0M |
| Q3 2025 | 79.85% | 85.64% | $0 | $5.0M |
| Q4 2025 | 76.97% | 83.01% | $0 | $0 |
| Q1 2026 | 77.11% | 82.38% | $0 | $0 |
| Q2 2026 | 78.60% | 81.98% | $0 | $0 |
The Farmers Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1696) · FFIEC NIC profile (RSSD 901938)