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: 35.2% lower than in Q1 2026, at $865K. Within Kansas, Farmers State Bank is 134th of 182 on loan-to-deposit ratio, 62.29% as of Q2 2026, below the middle of the field. Farmers State Bank reported 62.29% on loan-to-deposit ratio for Q2 2026, 5.63 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $18.5M |
| Fed funds sold and reverse repos | $865K |
| Fed funds sold and reverse repos to assets | 2.02% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.29% |
| Net loans and leases to deposits | 61.20% |
| Loans and leases to core deposits | 64.23% |
| Core deposits to total deposits | 96.99% |
| 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 | 74.99% | 97.19% | $1.3M | $5.4M |
| Q4 2023 | 74.91% | 97.09% | $2.9M | $4.5M |
| Q1 2024 | 70.96% | 97.19% | $2.9M | $4.5M |
| Q2 2024 | 75.65% | 96.27% | $2.9M | $4.4M |
| Q3 2024 | 73.09% | 96.44% | $1.6M | $3.9M |
| Q4 2024 | 72.10% | 95.58% | $0 | $4.6M |
| Q1 2025 | 66.78% | 95.83% | $0 | $3.5M |
| Q2 2025 | 71.86% | 96.58% | $0 | $4.3M |
| Q3 2025 | 69.94% | 96.76% | $0 | $4.3M |
| Q4 2025 | 66.08% | 93.56% | $0 | $3.4M |
| Q1 2026 | 63.19% | 94.61% | $0 | $3.4M |
| Q2 2026 | 62.29% | 96.99% | $0 | $2.4M |
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 14344) · FFIEC NIC profile (RSSD 603559)