Farmers State Bank of Calhan: 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 dropped 10.4% in Q2 2026, from $6.0M to $5.4M. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank of Calhan ranks 56th of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 56.93% (Q2 2026). Farmers State Bank of Calhan reported 56.93% on loan-to-deposit ratio for Q2 2026, 23.91 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 | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $203.5M |
| 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 | $52.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.93% |
| Net loans and leases to deposits | 56.48% |
| Loans and leases to core deposits | 63.28% |
| Core deposits to total deposits | 89.20% |
| Brokered deposits to total deposits | 1.86% |
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 | 60.02% | 90.00% | $0 | $52.1M |
| Q4 2023 | 57.90% | 90.33% | $0 | $67.0M |
| Q1 2024 | 57.79% | 90.48% | $0 | $64.5M |
| Q2 2024 | 57.20% | 91.34% | $0 | $59.0M |
| Q3 2024 | 57.62% | 91.46% | $0 | $49.5M |
| Q4 2024 | 58.58% | 92.04% | $0 | $49.4M |
| Q1 2025 | 55.83% | 89.93% | $0 | $52.2M |
| Q2 2025 | 57.11% | 89.37% | $0 | $56.7M |
| Q3 2025 | 57.94% | 89.20% | $0 | $55.8M |
| Q4 2025 | 57.22% | 89.59% | $0 | $55.5M |
| Q1 2026 | 56.60% | 89.36% | $0 | $53.3M |
| Q2 2026 | 56.93% | 89.20% | $0 | $52.5M |
Farmers State Bank of Calhan 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 of Calhan, 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 of Calhan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1780) · FFIEC NIC profile (RSSD 956956)