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: 56.9% lower than in Q1 2026, at $7.4M. Within South Dakota, Farmers State Bank is 43rd of 56 on loan-to-deposit ratio, 59.25% 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 21.59 points lower, at 59.25% (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 | $101.7M |
| Fed funds sold and reverse repos | $294K |
| Fed funds sold and reverse repos to assets | 0.12% |
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 | 59.25% |
| Net loans and leases to deposits | 58.59% |
| Loans and leases to core deposits | 62.43% |
| Core deposits to total deposits | 94.91% |
| 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 | 49.08% | 94.63% | $0 | $0 |
| Q4 2023 | 52.05% | 93.99% | $0 | $0 |
| Q1 2024 | 52.68% | 93.19% | $0 | $0 |
| Q2 2024 | 56.60% | 94.04% | $0 | $0 |
| Q3 2024 | 57.82% | 93.36% | $0 | $1.6M |
| Q4 2024 | 58.32% | 93.67% | $0 | $0 |
| Q1 2025 | 52.97% | 93.85% | $0 | $0 |
| Q2 2025 | 56.62% | 93.52% | $0 | $0 |
| Q3 2025 | 56.75% | 93.18% | $0 | $0 |
| Q4 2025 | 60.08% | 94.06% | $0 | $0 |
| Q1 2026 | 56.08% | 94.79% | $0 | $0 |
| Q2 2026 | 59.25% | 94.91% | $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 1686) · FFIEC NIC profile (RSSD 120953)