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 Loans and leases to core deposits: 3.24 percentage points higher than in Q1 2026, at 87.24%. Within Montana, Farmers State Bank is 16th of 35 on loan-to-deposit ratio, 79.12% 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 reported 79.12% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $220.8M |
| 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 | $65.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.12% |
| Net loans and leases to deposits | 78.07% |
| Loans and leases to core deposits | 87.24% |
| Core deposits to total deposits | 90.69% |
| 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 | 74.97% | 93.77% | $0 | $65.0M |
| Q4 2023 | 76.53% | 93.20% | $0 | $65.0M |
| Q1 2024 | 77.87% | 92.65% | $0 | $88.9M |
| Q2 2024 | 77.57% | 92.06% | $0 | $68.9M |
| Q3 2024 | 76.14% | 92.04% | $0 | $60.0M |
| Q4 2024 | 74.41% | 92.08% | $0 | $50.0M |
| Q1 2025 | 75.00% | 92.18% | $0 | $35.0M |
| Q2 2025 | 74.75% | 91.02% | $0 | $30.0M |
| Q3 2025 | 74.35% | 91.02% | $0 | $20.0M |
| Q4 2025 | 75.23% | 90.63% | $0 | $53.0M |
| Q1 2026 | 76.19% | 90.70% | $0 | $55.0M |
| Q2 2026 | 79.12% | 90.69% | $0 | $65.0M |
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 342) · FFIEC NIC profile (RSSD 475354)