Farmers Bank & Trust: 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: 21.2% higher than in Q1 2026, at $107.1M. Farmers Bank & Trust ranks 106th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 72.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers Bank & Trust sits 16.12 points lower, at 72.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $498.8M |
| 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 | $107.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.16% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.08% |
| Net loans and leases to deposits | 71.27% |
| Loans and leases to core deposits | 79.54% |
| Core deposits to total deposits | 76.95% |
| Brokered deposits to total deposits | 13.67% |
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 | 53.60% | 68.93% | $0 | $61.7M |
| Q4 2023 | 53.42% | 71.84% | $0 | $24.5M |
| Q1 2024 | 57.23% | 71.59% | $0 | $59.5M |
| Q2 2024 | 62.11% | 67.85% | $0 | $90.5M |
| Q3 2024 | 60.55% | 67.71% | $0 | $48.0M |
| Q4 2024 | 63.32% | 73.94% | $0 | $30.0M |
| Q1 2025 | 68.05% | 76.84% | $0 | $64.8M |
| Q2 2025 | 67.46% | 74.99% | $0 | $74.6M |
| Q3 2025 | 68.77% | 70.54% | $0 | $75.5M |
| Q4 2025 | 73.95% | 75.85% | $0 | $84.9M |
| Q1 2026 | 73.28% | 75.52% | $0 | $88.3M |
| Q2 2026 | 72.08% | 76.95% | $0 | $107.1M |
Farmers Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17614) · FFIEC NIC profile (RSSD 482156)