The Farmers State Bank and Trust Company: 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: 56.3% lower than in Q1 2026, at $7.2M. Within Illinois, The Farmers State Bank and Trust Company is 266th of 323 on loan-to-deposit ratio, 53.53% as of Q2 2026, below the middle of the field. The Farmers State Bank and Trust Company reported 53.53% on loan-to-deposit ratio for Q2 2026, 27.31 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 | $13.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $100.1M |
| Fed funds sold and reverse repos | $7.2M |
| Fed funds sold and reverse repos to assets | 3.42% |
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 | 53.53% |
| Net loans and leases to deposits | 52.34% |
| Loans and leases to core deposits | 54.35% |
| Core deposits to total deposits | 98.48% |
| 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 | 59.16% | 99.52% | $10.1M | $0 |
| Q4 2023 | 57.07% | 99.12% | $320K | $0 |
| Q1 2024 | 55.51% | 98.15% | $0 | $0 |
| Q2 2024 | 58.12% | 97.79% | $0 | $0 |
| Q3 2024 | 56.36% | 97.36% | $0 | $0 |
| Q4 2024 | 52.33% | 97.44% | $0 | $0 |
| Q1 2025 | 52.38% | 97.14% | $0 | $0 |
| Q2 2025 | 52.73% | 96.80% | $0 | $0 |
| Q3 2025 | 52.85% | 97.88% | $0 | $0 |
| Q4 2025 | 55.37% | 98.51% | $0 | $0 |
| Q1 2026 | 50.18% | 98.53% | $0 | $0 |
| Q2 2026 | 53.53% | 98.48% | $0 | $0 |
The Farmers State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank and Trust Company, 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 The Farmers State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11747) · FFIEC NIC profile (RSSD 481944)