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: 3.73 percentage points higher than in Q1 2026, at 57.92%. Farmers State Bank ranks 104th of 122 Georgia banks on loan-to-deposit ratio, in the lower half at 55.63% (Q2 2026). Farmers State Bank reported 55.63% on loan-to-deposit ratio for Q2 2026, 25.21 points below 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 | $46.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $92.9M |
| 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 | 55.63% |
| Net loans and leases to deposits | 54.71% |
| Loans and leases to core deposits | 57.92% |
| Core deposits to total deposits | 96.05% |
| 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 | 55.91% | 96.70% | $0 | $0 |
| Q4 2023 | 55.40% | 96.18% | $0 | $0 |
| Q1 2024 | 52.81% | 96.24% | $0 | $0 |
| Q2 2024 | 55.11% | 95.27% | $0 | $0 |
| Q3 2024 | 55.36% | 95.34% | $0 | $0 |
| Q4 2024 | 49.97% | 96.46% | $0 | $0 |
| Q1 2025 | 49.62% | 95.06% | $0 | $0 |
| Q2 2025 | 52.96% | 95.67% | $0 | $0 |
| Q3 2025 | 54.64% | 95.62% | $0 | $0 |
| Q4 2025 | 54.28% | 96.04% | $0 | $0 |
| Q1 2026 | 52.17% | 96.28% | $0 | $0 |
| Q2 2026 | 55.63% | 96.05% | $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 879) · FFIEC NIC profile (RSSD 773032)