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.
Loans and leases to core deposits climbed 4.73 percentage points in Q2 2026, from 99.10% to 103.83%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Farmers State Bank is 19th of 122 on loan-to-deposit ratio, 92.57% as of Q2 2026, above 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 11.74 points higher, at 92.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.3M |
| 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 | $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 | 92.57% |
| Net loans and leases to deposits | 90.32% |
| Loans and leases to core deposits | 103.83% |
| Core deposits to total deposits | 89.16% |
| 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 | 90.21% | 91.85% | $0 | $0 |
| Q4 2023 | 97.73% | 91.46% | $2.5M | $0 |
| Q1 2024 | 92.20% | 85.85% | $0 | $0 |
| Q2 2024 | 93.44% | 86.69% | $0 | $0 |
| Q3 2024 | 94.10% | 87.50% | $0 | $0 |
| Q4 2024 | 92.50% | 87.10% | $0 | $0 |
| Q1 2025 | 89.44% | 89.46% | $0 | $0 |
| Q2 2025 | 89.22% | 89.59% | $0 | $0 |
| Q3 2025 | 88.85% | 89.07% | $0 | $0 |
| Q4 2025 | 91.44% | 89.70% | $0 | $0 |
| Q1 2026 | 89.58% | 90.40% | $0 | $0 |
| Q2 2026 | 92.57% | 89.16% | $0 | $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 19720) · FFIEC NIC profile (RSSD 113030)