Farmers State 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 68.2% in Q2 2026, from $46.7M to $14.8M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 49th of 225 on loan-to-deposit ratio, 94.79% as of Q2 2026, above the middle of the field. Farmers State Bank reported 94.79% on loan-to-deposit ratio for Q2 2026, 6.59 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $225.8M |
| 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 | $12.9M |
| Other borrowed money | $22.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.97% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.79% |
| Net loans and leases to deposits | 93.73% |
| Loans and leases to core deposits | 101.51% |
| Core deposits to total deposits | 93.38% |
| Brokered deposits to total deposits | 4.35% |
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 | 91.87% | 94.43% | $28.6M | $10.0M |
| Q4 2023 | 91.39% | 94.26% | $26.0M | $10.0M |
| Q1 2024 | 95.73% | 93.87% | $28.3M | $48.0M |
| Q2 2024 | 92.20% | 93.62% | $24.5M | $48.0M |
| Q3 2024 | 96.19% | 93.31% | $15.4M | $48.0M |
| Q4 2024 | 92.91% | 92.99% | $19.5M | $20.0M |
| Q1 2025 | 90.62% | 92.76% | $20.7M | $20.0M |
| Q2 2025 | 91.66% | 92.76% | $15.6M | $24.0M |
| Q3 2025 | 91.95% | 92.11% | $19.1M | $24.0M |
| Q4 2025 | 92.88% | 92.66% | $16.0M | $24.0M |
| Q1 2026 | 90.64% | 93.42% | $19.8M | $17.0M |
| Q2 2026 | 94.79% | 93.38% | $12.9M | $22.0M |
Farmers State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14209) · FFIEC NIC profile (RSSD 1006148)