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.
Fed funds sold and reverse repos to assets climbed 1.69 percentage points in Q2 2026, from 0.14% to 1.83%. It was the largest change from Q1 2026 among the key lines here. Farmers Savings Bank ranks 161st of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 70.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Savings Bank sits 10.18 points lower, at 70.66% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.1M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 1.83% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.66% |
| Net loans and leases to deposits | 69.16% |
| Loans and leases to core deposits | 78.80% |
| Core deposits to total deposits | 85.16% |
| Brokered deposits to total deposits | 4.51% |
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 | 64.66% | 86.10% | $0 | $8.6M |
| Q4 2023 | 62.62% | 85.90% | $0 | $8.4M |
| Q1 2024 | 69.04% | 83.28% | $0 | $8.3M |
| Q2 2024 | 68.93% | 82.96% | $0 | $8.1M |
| Q3 2024 | 67.26% | 82.11% | $0 | $8.0M |
| Q4 2024 | 67.68% | 83.24% | $0 | $7.8M |
| Q1 2025 | 70.70% | 84.50% | $0 | $7.6M |
| Q2 2025 | 69.01% | 84.26% | $0 | $7.5M |
| Q3 2025 | 68.19% | 84.50% | $0 | $7.3M |
| Q4 2025 | 67.60% | 85.14% | $0 | $7.2M |
| Q1 2026 | 70.46% | 84.69% | $0 | $7.0M |
| Q2 2026 | 70.66% | 85.16% | $0 | $6.9M |
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 14807) · FFIEC NIC profile (RSSD 774347)