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.
Fed funds sold and reverse repos climbed 102.2% in Q2 2026, from $2.6M to $5.2M. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, The Farmers Bank sits 16th from the top on loan-to-deposit ratio, 100.93% as of Q2 2026. The Farmers Bank reported 100.93% on loan-to-deposit ratio for Q2 2026, 20.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.6M |
| Fed funds sold and reverse repos | $5.2M |
| Fed funds sold and reverse repos to assets | 3.71% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.93% |
| Net loans and leases to deposits | 99.82% |
| Loans and leases to core deposits | 127.91% |
| Core deposits to total deposits | 64.05% |
| Brokered deposits to total deposits | 14.86% |
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 | 87.63% | 67.68% | $0 | $0 |
| Q4 2023 | 88.74% | 67.40% | $0 | $0 |
| Q1 2024 | 92.73% | 66.25% | $0 | $0 |
| Q2 2024 | 94.41% | 66.03% | $0 | $0 |
| Q3 2024 | 104.12% | 58.38% | $7.4M | $0 |
| Q4 2024 | 109.85% | 56.46% | $7.0M | $0 |
| Q1 2025 | 93.70% | 57.38% | $0 | $0 |
| Q2 2025 | 99.62% | 57.03% | $0 | $0 |
| Q3 2025 | 99.77% | 56.85% | $0 | $2.0M |
| Q4 2025 | 99.97% | 54.67% | $0 | $0 |
| Q1 2026 | 103.24% | 60.93% | $0 | $3.0M |
| Q2 2026 | 100.93% | 64.05% | $0 | $3.0M |
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 4054) · FFIEC NIC profile (RSSD 998657)