Farmers 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.50 percentage points higher than in Q1 2026, at 88.45%. Farmers Savings Bank ranks 124th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 80.55% (Q2 2026). At 80.55%, Farmers Savings Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.3M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.06% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.55% |
| Net loans and leases to deposits | 79.50% |
| Loans and leases to core deposits | 88.45% |
| Core deposits to total deposits | 91.07% |
| 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 | 70.53% | 90.78% | $0 | $12.0M |
| Q4 2023 | 71.89% | 90.72% | $0 | $12.0M |
| Q1 2024 | 70.95% | 88.65% | $0 | $11.0M |
| Q2 2024 | 75.56% | 85.97% | $0 | $12.0M |
| Q3 2024 | 78.85% | 83.58% | $850K | $14.3M |
| Q4 2024 | 85.44% | 86.65% | $0 | $9.0M |
| Q1 2025 | 79.46% | 86.02% | $0 | $5.0M |
| Q2 2025 | 77.78% | 85.39% | $0 | $4.0M |
| Q3 2025 | 83.36% | 89.02% | $0 | $12.0M |
| Q4 2025 | 79.24% | 90.54% | $0 | $8.0M |
| Q1 2026 | 76.67% | 91.32% | $0 | $6.0M |
| Q2 2026 | 80.55% | 91.07% | $0 | $4.0M |
Farmers 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 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10500) · FFIEC NIC profile (RSSD 380346)