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 Cash and balances due from depository institutions: 51.9% higher than in Q1 2026, at $104.5M. Farmers State Bank ranks 57th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 78.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Farmers State Bank sits 9.76 points lower, at 78.44% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $104.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $365.1M |
| 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 | $5.6M |
| Other borrowed money | $10.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.44% |
| Net loans and leases to deposits | 77.71% |
| Loans and leases to core deposits | 83.56% |
| Core deposits to total deposits | 88.31% |
| Brokered deposits to total deposits | 5.56% |
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 | 75.34% | 91.00% | $4.9M | $20.0M |
| Q4 2023 | 75.39% | 90.21% | $5.1M | $0 |
| Q1 2024 | 76.24% | 89.96% | $6.8M | $25.0M |
| Q2 2024 | 73.64% | 89.34% | $5.8M | $0 |
| Q3 2024 | 75.94% | 88.78% | $6.8M | $10.0M |
| Q4 2024 | 75.55% | 88.61% | $5.0M | $10.0M |
| Q1 2025 | 76.09% | 85.21% | $4.9M | $10.0M |
| Q2 2025 | 72.10% | 86.00% | $4.6M | $10.0M |
| Q3 2025 | 75.89% | 86.46% | $4.7M | $10.0M |
| Q4 2025 | 78.67% | 89.08% | $4.1M | $10.0M |
| Q1 2026 | 80.57% | 89.89% | $5.0M | $10.0M |
| Q2 2026 | 78.44% | 88.31% | $5.6M | $10.0M |
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 14578) · FFIEC NIC profile (RSSD 113441)