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.
Cash and balances due from depository institutions climbed 44.5% in Q2 2026, from $26.4M to $38.1M. It was the largest change from Q1 2026 among the key lines here. Farmers Bank & Trust Company ranks 26th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 94.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Bank & Trust Company sits 13.53 points higher, at 94.37% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.3M |
| 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 | $20.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.37% |
| Net loans and leases to deposits | 93.71% |
| Loans and leases to core deposits | 95.23% |
| Core deposits to total deposits | 87.08% |
| Brokered deposits to total deposits | 12.01% |
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 | 97.79% | 88.15% | $4.2M | $57.0M |
| Q4 2023 | 88.57% | 92.87% | $0 | $0 |
| Q1 2024 | 92.90% | 85.80% | $0 | $0 |
| Q2 2024 | 96.88% | 89.51% | $0 | $30.0M |
| Q3 2024 | 102.65% | 94.23% | $0 | $60.0M |
| Q4 2024 | 101.68% | 93.98% | $0 | $62.0M |
| Q1 2025 | 90.25% | 87.89% | $0 | $0 |
| Q2 2025 | 92.51% | 90.61% | $0 | $0 |
| Q3 2025 | 97.16% | 91.03% | $4.9M | $30.0M |
| Q4 2025 | 102.22% | 91.56% | $0 | $60.0M |
| Q1 2026 | 92.22% | 85.41% | $0 | $0 |
| Q2 2026 | 94.37% | 87.08% | $0 | $20.0M |
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 12869) · FFIEC NIC profile (RSSD 262741)