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 2.21 percentage points in Q2 2026, from 53.82% to 56.03%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank ranks 271st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 52.59% (Q2 2026). Farmers State Bank reported 52.59% on loan-to-deposit ratio for Q2 2026, 28.35 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $94.3M |
| 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 | 52.59% |
| Net loans and leases to deposits | 51.95% |
| Loans and leases to core deposits | 56.03% |
| Core deposits to total deposits | 93.86% |
| 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 | 55.30% | 96.02% | $0 | $0 |
| Q4 2023 | 59.99% | 95.83% | $0 | $0 |
| Q1 2024 | 72.34% | 95.14% | $0 | $15.6M |
| Q2 2024 | 67.78% | 95.20% | $100K | $7.2M |
| Q3 2024 | 64.98% | 94.32% | $0 | $0 |
| Q4 2024 | 66.20% | 94.52% | $0 | $0 |
| Q1 2025 | 66.46% | 94.98% | $0 | $0 |
| Q2 2025 | 67.35% | 94.59% | $0 | $0 |
| Q3 2025 | 62.51% | 94.32% | $0 | $0 |
| Q4 2025 | 58.85% | 94.24% | $0 | $0 |
| Q1 2026 | 50.79% | 94.38% | $0 | $0 |
| Q2 2026 | 52.59% | 93.86% | $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 15367) · FFIEC NIC profile (RSSD 461058)