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 Core deposits to total deposits: 2.57 percentage points higher than in Q1 2026, at 90.56%. Farmers State Bank ranks 94th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 86.04% (Q2 2026). Farmers State Bank reported 86.04% on loan-to-deposit ratio for Q2 2026, 5.20 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $51.3M |
| Fed funds sold and reverse repos | $259K |
| Fed funds sold and reverse repos to assets | 0.12% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.15% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.04% |
| Net loans and leases to deposits | 84.90% |
| Loans and leases to core deposits | 95.01% |
| Core deposits to total deposits | 90.56% |
| 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 | 68.62% | 77.54% | $63K | $9.0M |
| Q4 2023 | 70.73% | 82.18% | $0 | $15.1M |
| Q1 2024 | 75.96% | 85.14% | $0 | $5.0M |
| Q2 2024 | 80.30% | 90.39% | $0 | $13.5M |
| Q3 2024 | 88.48% | 93.49% | $0 | $24.8M |
| Q4 2024 | 87.24% | 93.69% | $0 | $22.0M |
| Q1 2025 | 89.68% | 94.02% | $0 | $26.2M |
| Q2 2025 | 87.98% | 93.78% | $0 | $22.4M |
| Q3 2025 | 90.90% | 93.97% | $0 | $28.5M |
| Q4 2025 | 87.40% | 89.80% | $1.5M | $14.7M |
| Q1 2026 | 85.73% | 87.99% | $0 | $10.5M |
| Q2 2026 | 86.04% | 90.56% | $0 | $9.2M |
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 5797) · FFIEC NIC profile (RSSD 537243)