Farmers State Bank of Hoffman: 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 to assets: 5.18 percentage points lower than in Q1 2026, at 15.18%. Farmers State Bank of Hoffman has the 18th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 47.77% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers State Bank of Hoffman sits 19.86 points lower, at 47.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $20.9M |
| Fed funds sold and reverse repos | $5.6M |
| Fed funds sold and reverse repos to assets | 15.18% |
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 | 47.77% |
| Net loans and leases to deposits | 47.16% |
| Loans and leases to core deposits | 50.15% |
| Core deposits to total deposits | 95.25% |
| 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 | 43.18% | 97.90% | $0 | $0 |
| Q4 2023 | 51.11% | 97.81% | $0 | $0 |
| Q1 2024 | 43.76% | 97.92% | $0 | $0 |
| Q2 2024 | 48.36% | 95.27% | $0 | $0 |
| Q3 2024 | 50.58% | 94.29% | $0 | $0 |
| Q4 2024 | 52.00% | 92.19% | $0 | $0 |
| Q1 2025 | 48.07% | 92.36% | $0 | $0 |
| Q2 2025 | 46.70% | 93.59% | $0 | $0 |
| Q3 2025 | 51.80% | 93.65% | $0 | $0 |
| Q4 2025 | 52.36% | 94.95% | $0 | $0 |
| Q1 2026 | 43.45% | 95.51% | $0 | $0 |
| Q2 2026 | 47.77% | 95.25% | $0 | $0 |
Farmers State Bank of Hoffman 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 Hoffman, 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 Hoffman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9354) · FFIEC NIC profile (RSSD 981453)