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 Fed funds sold and reverse repos: 98.6% higher than in Q1 2026, at $7.0M. Farmers State Bank ranks 61st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 89.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank sits 8.99 points higher, at 89.83% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $35.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.0M |
| Fed funds sold and reverse repos | $7.0M |
| Fed funds sold and reverse repos to assets | 2.05% |
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 | 89.83% |
| Net loans and leases to deposits | 88.97% |
| Loans and leases to core deposits | 95.99% |
| Core deposits to total deposits | 93.59% |
| 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 | 83.91% | 97.91% | $0 | $0 |
| Q4 2023 | 86.17% | 98.31% | $0 | $0 |
| Q1 2024 | 83.30% | 97.05% | $0 | $0 |
| Q2 2024 | 85.99% | 96.95% | $0 | $0 |
| Q3 2024 | 87.46% | 96.61% | $0 | $0 |
| Q4 2024 | 89.33% | 96.65% | $0 | $0 |
| Q1 2025 | 83.47% | 96.22% | $0 | $0 |
| Q2 2025 | 87.41% | 95.85% | $0 | $0 |
| Q3 2025 | 92.81% | 94.79% | $0 | $0 |
| Q4 2025 | 88.93% | 94.44% | $0 | $0 |
| Q1 2026 | 81.53% | 93.21% | $0 | $0 |
| Q2 2026 | 89.83% | 93.59% | $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 11307) · FFIEC NIC profile (RSSD 477648)