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.
Cash and balances due from depository institutions dropped 29.8% in Q2 2026, from $61.8M to $43.4M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers National Bank is 131st of 323 on loan-to-deposit ratio, 79.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Farmers National Bank reported 79.51% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.4M |
| Cash and noninterest-bearing balances to assets | 4.84% |
| Cash and securities | $331.9M |
| 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 | $27.7M |
| Other borrowed money | $96.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.51% |
| Net loans and leases to deposits | 76.94% |
| Loans and leases to core deposits | 90.37% |
| Core deposits to total deposits | 87.98% |
| 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 | 68.45% | 89.38% | $25.4M | $129.6M |
| Q4 2023 | 74.20% | 89.26% | $25.2M | $144.3M |
| Q1 2024 | 73.79% | 89.75% | $24.8M | $118.8M |
| Q2 2024 | 74.39% | 89.12% | $25.9M | $118.5M |
| Q3 2024 | 75.84% | 90.24% | $26.2M | $128.4M |
| Q4 2024 | 80.18% | 88.59% | $26.7M | $118.1M |
| Q1 2025 | 78.37% | 86.44% | $27.2M | $117.6M |
| Q2 2025 | 77.08% | 86.85% | $27.3M | $122.3M |
| Q3 2025 | 81.10% | 86.60% | $27.4M | $117.2M |
| Q4 2025 | 83.44% | 87.27% | $25.9M | $126.8M |
| Q1 2026 | 79.29% | 87.78% | $27.1M | $116.3M |
| Q2 2026 | 79.51% | 87.98% | $27.7M | $96.1M |
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 3732) · FFIEC NIC profile (RSSD 933041)