Farmers State Bank, Inc: 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 Core deposits to total deposits: 7.78 percentage points lower than in Q1 2026, at 86.03%. On loan-to-deposit ratio, Farmers State Bank, Inc is 5th from the bottom among 120 Kentucky banks, 45.70% (Q2 2026). Farmers State Bank, Inc reported 45.70% on loan-to-deposit ratio for Q2 2026, 21.93 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 | $5.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.3M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 4.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $783K |
| 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 | 45.70% |
| Net loans and leases to deposits | 44.81% |
| Loans and leases to core deposits | 53.11% |
| Core deposits to total deposits | 86.03% |
| 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 | 47.89% | 94.36% | $824K | $3.5M |
| Q4 2023 | 49.23% | 94.27% | $793K | $3.6M |
| Q1 2024 | 51.88% | 94.30% | $810K | $3.0M |
| Q2 2024 | 51.64% | 94.27% | $1.1M | $2.0M |
| Q3 2024 | 53.67% | 97.87% | $3.1M | $2.2M |
| Q4 2024 | 51.75% | 91.51% | $800K | $1.2M |
| Q1 2025 | 52.97% | 91.03% | $896K | $0 |
| Q2 2025 | 49.75% | 90.86% | $776K | $0 |
| Q3 2025 | 49.92% | 92.04% | $751K | $0 |
| Q4 2025 | 46.58% | 93.60% | $740K | $0 |
| Q1 2026 | 46.51% | 93.81% | $752K | $0 |
| Q2 2026 | 45.70% | 86.03% | $783K | $0 |
Farmers State Bank, Inc 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, Inc, 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, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5838) · FFIEC NIC profile (RSSD 131717)