Farmers National 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.
Loans and leases to core deposits climbed 5.32 percentage points in Q3 2026, from 64.99% to 70.30%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, Farmers National Bank is 122nd of 182 on loan-to-deposit ratio, 66.88% as of Q3 2026, below the middle of the field. Farmers National Bank reported 66.88% on loan-to-deposit ratio for Q3 2026, 14.06 points below the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $76.1M |
| Fed funds sold and reverse repos | $5.9M |
| Fed funds sold and reverse repos to assets | 3.55% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 66.88% |
| Net loans and leases to deposits | 65.66% |
| Loans and leases to core deposits | 70.30% |
| Core deposits to total deposits | 95.14% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 64.90% | 96.40% | $6.2M | $0 |
| Q1 2024 | 62.23% | 96.56% | $0 | $0 |
| Q2 2024 | 67.51% | 95.98% | $700K | $0 |
| Q3 2024 | 71.38% | 96.01% | $2.9M | $0 |
| Q4 2024 | 66.19% | 96.20% | $0 | $0 |
| Q1 2025 | 62.61% | 96.45% | $0 | $0 |
| Q2 2025 | 66.92% | 96.04% | $0 | $0 |
| Q3 2025 | 70.58% | 96.02% | $0 | $0 |
| Q4 2025 | 66.54% | 95.74% | $0 | $0 |
| Q1 2026 | 59.18% | 95.53% | $0 | $0 |
| Q2 2026 | 62.18% | 95.69% | $0 | $0 |
| Q3 2026 | 66.88% | 95.14% | $0 | $0 |
Farmers National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4611) · FFIEC NIC profile (RSSD 137559)