The Farmers National Bank of Lebanon: 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 4.52 percentage points in Q2 2026, from 84.87% to 89.39%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Farmers National Bank of Lebanon is 72nd of 120 on loan-to-deposit ratio, 79.54% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Farmers National Bank of Lebanon reported 79.54% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $42.8M |
| Fed funds sold and reverse repos | $4.1M |
| Fed funds sold and reverse repos to assets | 2.49% |
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 | 79.54% |
| Net loans and leases to deposits | 78.81% |
| Loans and leases to core deposits | 89.39% |
| Core deposits to total deposits | 88.98% |
| 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 | 62.96% | 95.03% | $0 | $0 |
| Q4 2023 | 66.65% | 93.36% | $0 | $0 |
| Q1 2024 | 65.42% | 91.34% | $0 | $0 |
| Q2 2024 | 70.25% | 93.01% | $0 | $0 |
| Q3 2024 | 66.93% | 92.43% | $0 | $0 |
| Q4 2024 | 70.27% | 91.52% | $0 | $0 |
| Q1 2025 | 68.28% | 91.42% | $0 | $0 |
| Q2 2025 | 67.66% | 90.37% | $0 | $0 |
| Q3 2025 | 71.05% | 90.66% | $0 | $0 |
| Q4 2025 | 79.38% | 90.77% | $1.6M | $0 |
| Q1 2026 | 76.22% | 89.80% | $0 | $0 |
| Q2 2026 | 79.54% | 88.98% | $0 | $0 |
The Farmers National Bank of Lebanon liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers National Bank of Lebanon, 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 The Farmers National Bank of Lebanon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2754) · FFIEC NIC profile (RSSD 575348)