Farmers Bank & Trust Company: 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 Net loans and leases to deposits: 4.75 percentage points higher than in Q1 2026, at 88.25%. Farmers Bank & Trust Company ranks 32nd of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 89.45% (Q2 2026). At 89.45%, Farmers Bank & Trust Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $59.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $546.5M |
| 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 | $127.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.02% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.45% |
| Net loans and leases to deposits | 88.25% |
| Loans and leases to core deposits | 103.87% |
| Core deposits to total deposits | 86.12% |
| Brokered deposits to total deposits | 1.85% |
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 | 78.24% | 88.25% | $0 | $55.0M |
| Q4 2023 | 79.72% | 88.55% | $0 | $75.0M |
| Q1 2024 | 81.56% | 87.05% | $0 | $90.0M |
| Q2 2024 | 81.14% | 85.05% | $0 | $75.0M |
| Q3 2024 | 84.87% | 85.60% | $0 | $115.0M |
| Q4 2024 | 83.08% | 82.55% | $0 | $16K |
| Q1 2025 | 82.41% | 84.76% | $0 | $10K |
| Q2 2025 | 83.99% | 83.44% | $0 | $4K |
| Q3 2025 | 85.99% | 83.66% | $0 | $45.0M |
| Q4 2025 | 85.90% | 83.78% | $0 | $20.0M |
| Q1 2026 | 84.77% | 83.11% | $0 | $0 |
| Q2 2026 | 89.45% | 86.12% | $0 | $127.0M |
Farmers Bank & Trust Company 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 Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1291) · FFIEC NIC profile (RSSD 12946)