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.
The standout move of Q2 2026 was in Fed funds purchased and repos: 107.9% higher than in Q1 2026, at $4.1M. Within Tennessee, Farmers State Bank is 76th of 109 on loan-to-deposit ratio, 76.02% 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. Farmers State Bank sits 4.81 points lower, at 76.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.9M |
| 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 | $4.1M |
| 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 | 76.02% |
| Net loans and leases to deposits | 75.09% |
| Loans and leases to core deposits | 82.86% |
| Core deposits to total deposits | 91.75% |
| 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 | 64.05% | 87.19% | $0 | $0 |
| Q4 2023 | 63.15% | 87.02% | $0 | $0 |
| Q1 2024 | 62.96% | 85.95% | $0 | $0 |
| Q2 2024 | 68.21% | 84.47% | $1.1M | $0 |
| Q3 2024 | 67.37% | 85.20% | $0 | $0 |
| Q4 2024 | 63.25% | 86.00% | $0 | $0 |
| Q1 2025 | 63.67% | 90.03% | $0 | $0 |
| Q2 2025 | 64.73% | 91.78% | $0 | $0 |
| Q3 2025 | 63.93% | 93.64% | $0 | $0 |
| Q4 2025 | 69.61% | 92.61% | $6.4M | $0 |
| Q1 2026 | 68.62% | 92.04% | $2.0M | $0 |
| Q2 2026 | 76.02% | 91.75% | $4.1M | $0 |
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 13775) · FFIEC NIC profile (RSSD 105530)