Farmers Savings Bank & Trust: 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 71.9% in Q2 2026, from $26.4M to $7.4M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Savings Bank & Trust is 193rd of 225 on loan-to-deposit ratio, 59.73% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers Savings Bank & Trust sits 21.22 points lower, at 59.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.1M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 0.67% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.9M |
| 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 | 59.73% |
| Net loans and leases to deposits | 59.34% |
| Loans and leases to core deposits | 64.39% |
| Core deposits to total deposits | 92.75% |
| 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 | 50.33% | 96.76% | $9.5M | $0 |
| Q4 2023 | 56.65% | 95.25% | $22.3M | $0 |
| Q1 2024 | 51.68% | 95.13% | $3.1M | $0 |
| Q2 2024 | 56.63% | 94.13% | $15.2M | $0 |
| Q3 2024 | 53.26% | 93.76% | $1.1M | $0 |
| Q4 2024 | 59.62% | 91.47% | $7.1M | $0 |
| Q1 2025 | 51.65% | 92.38% | $3.0M | $0 |
| Q2 2025 | 54.31% | 91.35% | $3.1M | $0 |
| Q3 2025 | 53.51% | 93.02% | $2.9M | $0 |
| Q4 2025 | 59.91% | 92.36% | $3.2M | $0 |
| Q1 2026 | 54.41% | 93.50% | $3.4M | $0 |
| Q2 2026 | 59.73% | 92.75% | $3.9M | $0 |
Farmers Savings Bank & Trust 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 & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10122) · FFIEC NIC profile (RSSD 368344)