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: 6.67 percentage points higher than in Q1 2026, at 74.44%. Within Iowa, Farmers State Bank is 183rd of 225 on loan-to-deposit ratio, 63.21% as of Q2 2026, below the middle of the field. Farmers State Bank reported 63.21% on loan-to-deposit ratio for Q2 2026, 4.41 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.2M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 1.97% |
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 | 63.21% |
| Net loans and leases to deposits | 62.64% |
| Loans and leases to core deposits | 74.44% |
| Core deposits to total deposits | 84.92% |
| 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 | 58.18% | 83.17% | $960K | $3.2M |
| Q4 2023 | 56.12% | 83.67% | $595K | $0 |
| Q1 2024 | 52.48% | 89.97% | $0 | $0 |
| Q2 2024 | 52.95% | 90.35% | $0 | $0 |
| Q3 2024 | 58.02% | 88.39% | $0 | $500K |
| Q4 2024 | 55.95% | 89.69% | $0 | $0 |
| Q1 2025 | 48.97% | 87.40% | $0 | $0 |
| Q2 2025 | 55.88% | 84.37% | $0 | $0 |
| Q3 2025 | 58.28% | 80.69% | $0 | $0 |
| Q4 2025 | 66.73% | 83.71% | $0 | $3.1M |
| Q1 2026 | 58.29% | 86.01% | $0 | $0 |
| Q2 2026 | 63.21% | 84.92% | $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 9106) · FFIEC NIC profile (RSSD 507349)