The Farmers State Bank of Oakley, Kansas: 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 Other borrowed money: 25.1% higher than in Q1 2026, at $42.5M. The Farmers State Bank of Oakley, Kansas ranks 41st of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 90.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Farmers State Bank of Oakley, Kansas sits 9.08 points higher, at 90.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $106.2M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.63% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $8.9M |
| Other borrowed money | $42.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.02% |
| Net loans and leases to deposits | 89.25% |
| Loans and leases to core deposits | 111.42% |
| Core deposits to total deposits | 80.03% |
| Brokered deposits to total deposits | 9.84% |
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 | 105.16% | 80.85% | $4.0M | $43.7M |
| Q4 2023 | 100.23% | 81.07% | $7.5M | $34.5M |
| Q1 2024 | 100.88% | 81.15% | $11.5M | $34.0M |
| Q2 2024 | 100.69% | 78.23% | $10.6M | $35.0M |
| Q3 2024 | 104.60% | 76.43% | $10.2M | $44.3M |
| Q4 2024 | 111.11% | 75.74% | $8.0M | $59.3M |
| Q1 2025 | 104.56% | 74.17% | $12.0M | $44.4M |
| Q2 2025 | 102.23% | 75.18% | $11.9M | $42.5M |
| Q3 2025 | 91.80% | 79.21% | $10.7M | $39.8M |
| Q4 2025 | 88.76% | 78.14% | $5.9M | $35.5M |
| Q1 2026 | 88.75% | 79.82% | $7.6M | $34.0M |
| Q2 2026 | 90.02% | 80.03% | $8.9M | $42.5M |
The Farmers State Bank of Oakley, Kansas 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 of Oakley, Kansas, 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 of Oakley, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1867) · FFIEC NIC profile (RSSD 278256)