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.
Other borrowed money climbed 109.8% in Q2 2026, from $5.0M to $10.5M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Farmers State Bank is 92nd of 156 on loan-to-deposit ratio, 78.57% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Farmers State Bank reported 78.57% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $47.5M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 1.27% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.57% |
| Net loans and leases to deposits | 77.68% |
| Loans and leases to core deposits | 81.26% |
| Core deposits to total deposits | 96.69% |
| 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 | 68.86% | 98.24% | $0 | $5.0M |
| Q4 2023 | 71.69% | 97.73% | $0 | $5.0M |
| Q1 2024 | 74.22% | 97.48% | $0 | $14.0M |
| Q2 2024 | 75.84% | 97.42% | $0 | $14.0M |
| Q3 2024 | 72.71% | 97.57% | $0 | $14.0M |
| Q4 2024 | 67.61% | 97.16% | $0 | $5.0M |
| Q1 2025 | 70.46% | 96.76% | $0 | $5.0M |
| Q2 2025 | 71.86% | 96.45% | $0 | $5.0M |
| Q3 2025 | 73.87% | 92.85% | $0 | $5.0M |
| Q4 2025 | 71.60% | 95.92% | $0 | $5.0M |
| Q1 2026 | 74.00% | 97.19% | $0 | $5.0M |
| Q2 2026 | 78.57% | 96.69% | $0 | $10.5M |
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 8647) · FFIEC NIC profile (RSSD 327220)