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: 5.69 percentage points higher than in Q1 2026, at 57.12%. Within Wyoming, Farmers State Bank is 18th of 23 on loan-to-deposit ratio, 52.97% as of Q2 2026, below the middle of the field. Farmers State Bank reported 52.97% on loan-to-deposit ratio for Q2 2026, 14.65 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 | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.6M |
| 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 | 52.97% |
| Net loans and leases to deposits | 52.33% |
| Loans and leases to core deposits | 57.12% |
| Core deposits to total deposits | 92.73% |
| 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 | 60.23% | 100.00% | $0 | $0 |
| Q4 2023 | 56.60% | 100.00% | $0 | $0 |
| Q1 2024 | 61.96% | 97.64% | $0 | $0 |
| Q2 2024 | 59.34% | 96.50% | $0 | $0 |
| Q3 2024 | 60.80% | 96.59% | $0 | $0 |
| Q4 2024 | 63.22% | 96.48% | $0 | $0 |
| Q1 2025 | 59.50% | 95.54% | $0 | $0 |
| Q2 2025 | 54.95% | 95.69% | $0 | $0 |
| Q3 2025 | 58.80% | 93.63% | $0 | $0 |
| Q4 2025 | 56.50% | 93.77% | $0 | $0 |
| Q1 2026 | 48.53% | 94.34% | $0 | $0 |
| Q2 2026 | 52.97% | 92.73% | $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 526) · FFIEC NIC profile (RSSD 542854)