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.
Loan-to-deposit ratio climbed 7.20 percentage points in Q2 2026, from 77.34% to 84.54%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 101st of 225 on loan-to-deposit ratio, 84.54% 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 3.70 points higher, at 84.54% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $6.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.4M |
| 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 | 84.54% |
| Net loans and leases to deposits | 83.41% |
| Loans and leases to core deposits | 89.99% |
| Core deposits to total deposits | 93.94% |
| 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 | 76.54% | 95.65% | $0 | $3.1M |
| Q4 2023 | 81.92% | 94.98% | $0 | $7.4M |
| Q1 2024 | 80.84% | 95.20% | $0 | $7.3M |
| Q2 2024 | 85.68% | 94.42% | $0 | $9.5M |
| Q3 2024 | 88.01% | 94.83% | $0 | $11.0M |
| Q4 2024 | 86.48% | 94.99% | $0 | $5.5M |
| Q1 2025 | 83.56% | 95.30% | $0 | $5.5M |
| Q2 2025 | 86.26% | 94.98% | $0 | $1.2M |
| Q3 2025 | 87.78% | 93.81% | $0 | $1.9M |
| Q4 2025 | 85.24% | 92.77% | $0 | $0 |
| Q1 2026 | 77.34% | 93.08% | $0 | $0 |
| Q2 2026 | 84.54% | 93.94% | $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 8760) · FFIEC NIC profile (RSSD 208440)