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 87.5% in Q3 2026, from $2.9M to $5.4M. It was the largest change from Q2 2026 among the key lines here. Within Illinois, Farmers State Bank is 251st of 323 on loan-to-deposit ratio, 58.43% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Farmers State Bank sits 12.44 points lower, at 55.49% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $32.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $1.3M |
| Other borrowed money | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 55.49% |
| Net loans and leases to deposits | 54.78% |
| Loans and leases to core deposits | 60.65% |
| Core deposits to total deposits | 91.49% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 63.76% | 89.17% | $1.2M | $4.5M |
| Q1 2024 | 63.22% | 91.24% | $1.2M | $6.5M |
| Q2 2024 | 65.22% | 91.64% | $1.2M | $6.5M |
| Q3 2024 | 61.78% | 91.26% | $1.3M | $5.5M |
| Q4 2024 | 58.93% | 90.93% | $1.3M | $5.5M |
| Q1 2025 | 62.21% | 90.72% | $1.3M | $2.0M |
| Q2 2025 | 64.79% | 91.06% | $1.3M | $4.0M |
| Q3 2025 | 59.12% | 90.31% | $1.3M | $4.0M |
| Q4 2025 | 58.64% | 92.38% | $1.3M | $4.0M |
| Q1 2026 | 56.33% | 92.58% | $1.3M | $4.0M |
| Q2 2026 | 58.43% | 91.82% | $1.5M | $4.0M |
| Q3 2026 | 55.49% | 91.49% | $1.3M | $4.0M |
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 12107) · FFIEC NIC profile (RSSD 921936)