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 to assets: 4.95 percentage points lower than in Q1 2026, at 5.35%. Within Kansas, Farmers State Bank is 135th of 182 on loan-to-deposit ratio, 61.57% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers State Bank sits 6.06 points lower, at 61.57% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.6M |
| Fed funds sold and reverse repos | $4.5M |
| Fed funds sold and reverse repos to assets | 5.35% |
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 | 61.57% |
| Net loans and leases to deposits | 59.63% |
| Loans and leases to core deposits | 67.17% |
| Core deposits to total deposits | 91.66% |
| 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 | 55.41% | 96.50% | $0 | $0 |
| Q4 2023 | 54.35% | 95.40% | $0 | $0 |
| Q1 2024 | 55.13% | 95.42% | $0 | $0 |
| Q2 2024 | 56.11% | 95.13% | $0 | $0 |
| Q3 2024 | 60.87% | 91.86% | $1.0M | $0 |
| Q4 2024 | 56.08% | 91.72% | $0 | $0 |
| Q1 2025 | 57.73% | 91.20% | $0 | $0 |
| Q2 2025 | 60.44% | 90.61% | $0 | $0 |
| Q3 2025 | 62.16% | 89.76% | $0 | $0 |
| Q4 2025 | 60.72% | 90.77% | $0 | $0 |
| Q1 2026 | 57.23% | 91.32% | $0 | $0 |
| Q2 2026 | 61.57% | 91.66% | $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 16941) · FFIEC NIC profile (RSSD 72351)