Farmers Building and Savings 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.
Loan-to-deposit ratio dropped 1.04 percentage points in Q2 2026, from 62.96% to 61.91%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Farmers Building and Savings Bank is 97th of 109 on loan-to-deposit ratio, 61.91% as of Q2 2026, below the middle of the field. Farmers Building and Savings Bank reported 61.91% on loan-to-deposit ratio for Q2 2026, 18.92 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 | $28.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.3M |
| 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 | $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 | 61.91% |
| Net loans and leases to deposits | 61.43% |
| Loans and leases to core deposits | 61.91% |
| Core deposits to total deposits | 100.00% |
| 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 | 55.41% | 100.00% | $0 | $0 |
| Q4 2023 | 59.17% | 100.00% | $0 | $0 |
| Q1 2024 | 58.19% | 100.00% | $0 | $0 |
| Q2 2024 | 58.96% | 100.00% | $0 | $0 |
| Q3 2024 | 61.10% | 100.00% | $0 | $0 |
| Q4 2024 | 60.39% | 100.00% | $0 | $0 |
| Q1 2025 | 60.27% | 100.00% | $0 | $0 |
| Q2 2025 | 61.13% | 100.00% | $0 | $0 |
| Q3 2025 | 62.71% | 100.00% | $0 | $0 |
| Q4 2025 | 62.05% | 100.00% | $0 | $0 |
| Q1 2026 | 62.96% | 100.00% | $0 | $0 |
| Q2 2026 | 61.91% | 100.00% | $0 | $0 |
Farmers Building and Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Building and Savings 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 Farmers Building and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34711) · FFIEC NIC profile (RSSD 19972)