Farmers State Bank of Hamel: 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 51.6% in Q2 2026, from $13.3M to $20.2M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Farmers State Bank of Hamel is 5th from the bottom among 221 Minnesota banks, 35.18% (Q2 2026). Against a median of 80.94% for banks in the $100M-1B asset tier, Farmers State Bank of Hamel reported 35.18% on loan-to-deposit ratio in Q2 2026, 45.76 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $128.6M |
| 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 | $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 | 35.18% |
| Net loans and leases to deposits | 34.66% |
| Loans and leases to core deposits | 40.49% |
| Core deposits to total deposits | 86.90% |
| 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 | 37.39% | 91.05% | $0 | $7.5M |
| Q4 2023 | 40.70% | 89.43% | $0 | $15.0M |
| Q1 2024 | 42.74% | 88.87% | $0 | $22.5M |
| Q2 2024 | 38.15% | 90.37% | $0 | $19.0M |
| Q3 2024 | 40.04% | 90.30% | $0 | $15.0M |
| Q4 2024 | 39.06% | 90.93% | $0 | $7.5M |
| Q1 2025 | 39.38% | 91.04% | $0 | $7.5M |
| Q2 2025 | 36.54% | 91.15% | $0 | $7.5M |
| Q3 2025 | 36.47% | 89.91% | $0 | $7.5M |
| Q4 2025 | 38.00% | 88.35% | $0 | $7.5M |
| Q1 2026 | 39.05% | 87.60% | $0 | $0 |
| Q2 2026 | 35.18% | 86.90% | $0 | $0 |
Farmers State Bank of Hamel 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 Hamel, 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 Hamel profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8214) · FFIEC NIC profile (RSSD 1006157)