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.
Loans and leases to core deposits climbed 3.79 percentage points in Q2 2026, from 37.72% to 41.51%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank has the 10th lowest loan-to-deposit ratio of the 225 banks headquartered in Iowa, at 40.43% as of Q2 2026. Farmers State Bank reported 40.43% on loan-to-deposit ratio for Q2 2026, 27.20 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 | $15.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.1M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 2.95% |
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 | 40.43% |
| Net loans and leases to deposits | 39.12% |
| Loans and leases to core deposits | 41.51% |
| Core deposits to total deposits | 97.40% |
| 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 | 39.56% | 100.00% | $0 | $0 |
| Q4 2023 | 37.62% | 100.00% | $0 | $0 |
| Q1 2024 | 37.92% | 100.00% | $0 | $0 |
| Q2 2024 | 39.54% | 100.00% | $0 | $0 |
| Q3 2024 | 41.18% | 100.00% | $0 | $0 |
| Q4 2024 | 40.67% | 97.33% | $0 | $0 |
| Q1 2025 | 39.65% | 97.46% | $0 | $0 |
| Q2 2025 | 41.13% | 97.33% | $0 | $0 |
| Q3 2025 | 43.00% | 97.25% | $0 | $0 |
| Q4 2025 | 42.70% | 98.99% | $0 | $0 |
| Q1 2026 | 37.36% | 99.06% | $0 | $0 |
| Q2 2026 | 40.43% | 97.40% | $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 9295) · FFIEC NIC profile (RSSD 749840)