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.
Cash and balances due from depository institutions climbed 67.6% in Q2 2026, from $16.0M to $26.7M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers State Bank ranks 20th highest among the 225 banks headquartered in Iowa, at 103.89% (Q2 2026). Farmers State Bank reported 103.89% on loan-to-deposit ratio for Q2 2026, 15.69 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $26.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $253.0M |
| 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 | $156.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.80% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.89% |
| Net loans and leases to deposits | 102.79% |
| Loans and leases to core deposits | 118.29% |
| Core deposits to total deposits | 82.41% |
| Brokered deposits to total deposits | 5.42% |
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 | 105.54% | 81.78% | $0 | $205.0M |
| Q4 2023 | 102.08% | 78.08% | $5.0M | $181.3M |
| Q1 2024 | 105.88% | 78.02% | $0 | $221.5M |
| Q2 2024 | 108.38% | 79.65% | $0 | $249.1M |
| Q3 2024 | 108.65% | 78.01% | $0 | $256.8M |
| Q4 2024 | 114.74% | 81.73% | $0 | $331.5M |
| Q1 2025 | 104.79% | 77.63% | $0 | $218.2M |
| Q2 2025 | 101.00% | 79.49% | $0 | $180.0M |
| Q3 2025 | 103.23% | 81.03% | $0 | $148.7M |
| Q4 2025 | 105.62% | 81.65% | $0 | $207.3M |
| Q1 2026 | 103.10% | 82.44% | $0 | $146.0M |
| Q2 2026 | 103.89% | 82.41% | $0 | $156.6M |
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 12855) · FFIEC NIC profile (RSSD 840747)