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.
Loans and leases to core deposits climbed 7.85 percentage points in Q2 2026, from 61.33% to 69.19%. It was the largest change from Q1 2026 among the key lines here. Farmers Bank & Trust ranks 130th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 64.40% (Q2 2026). Farmers Bank & Trust reported 64.40% on loan-to-deposit ratio for Q2 2026, 16.44 points below 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 | $60.3M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 1.15% |
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 | 64.40% |
| Net loans and leases to deposits | 63.69% |
| Loans and leases to core deposits | 69.19% |
| Core deposits to total deposits | 93.08% |
| 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 | 51.00% | 91.32% | $0 | $10.5M |
| Q4 2023 | 47.60% | 91.60% | $0 | $0 |
| Q1 2024 | 47.63% | 89.95% | $0 | $0 |
| Q2 2024 | 53.33% | 90.76% | $112K | $5.4M |
| Q3 2024 | 54.31% | 81.41% | $0 | $3.0M |
| Q4 2024 | 44.77% | 86.47% | $0 | $0 |
| Q1 2025 | 50.13% | 89.53% | $0 | $0 |
| Q2 2025 | 53.33% | 92.91% | $0 | $0 |
| Q3 2025 | 54.51% | 93.14% | $0 | $0 |
| Q4 2025 | 56.73% | 93.81% | $0 | $0 |
| Q1 2026 | 57.11% | 93.12% | $0 | $0 |
| Q2 2026 | 64.40% | 93.08% | $0 | $0 |
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 4621) · FFIEC NIC profile (RSSD 984351)