Farmers State Bank of Trimont: 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.
Fed funds sold and reverse repos dropped 45.0% in Q3 2026, from $2.0M to $1.1M. It was the largest change from Q2 2026 among the key lines here. Farmers State Bank of Trimont ranks 146th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 72.66% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers State Bank of Trimont sits 5.03 points higher, at 72.66% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.5M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 1.50% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 72.66% |
| Net loans and leases to deposits | 71.64% |
| Loans and leases to core deposits | 78.75% |
| Core deposits to total deposits | 92.26% |
| 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 |
|---|---|---|---|---|
| Q4 2023 | 78.66% | 82.65% | $1.3M | $5.5M |
| Q1 2024 | 70.68% | 80.39% | $200K | $0 |
| Q2 2024 | 74.24% | 81.42% | $0 | $4.0M |
| Q3 2024 | 74.06% | 85.68% | $0 | $4.0M |
| Q4 2024 | 80.61% | 80.48% | $0 | $7.5M |
| Q1 2025 | 74.18% | 89.63% | $0 | $4.0M |
| Q2 2025 | 74.50% | 81.88% | $1.4M | $0 |
| Q3 2025 | 75.21% | 86.95% | $1.0M | $0 |
| Q4 2025 | 78.78% | 84.69% | $0 | $3.2M |
| Q1 2026 | 72.58% | 90.32% | $0 | $0 |
| Q2 2026 | 71.00% | 91.18% | $0 | $0 |
| Q3 2026 | 72.66% | 92.26% | $0 | $0 |
Farmers State Bank of Trimont 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 Trimont, 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 Trimont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1929) · FFIEC NIC profile (RSSD 803658)