Farmers State Bank of Underwood: 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: 75.4% lower than in Q1 2026, at $1.4M. Within Minnesota, Farmers State Bank of Underwood is 105th of 221 on loan-to-deposit ratio, 82.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Farmers State Bank of Underwood reported 82.52% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.8M |
| Fed funds sold and reverse repos | $1.4M |
| Fed funds sold and reverse repos to assets | 1.25% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $400K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.35% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.52% |
| Net loans and leases to deposits | 81.47% |
| Loans and leases to core deposits | 94.55% |
| Core deposits to total deposits | 87.28% |
| 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 | 81.38% | 86.32% | $1.0M | $4.8M |
| Q4 2023 | 83.74% | 87.24% | $1.6M | $5.8M |
| Q1 2024 | 81.77% | 88.79% | $0 | $5.3M |
| Q2 2024 | 84.44% | 88.80% | $891K | $5.3M |
| Q3 2024 | 80.92% | 88.50% | $0 | $2.3M |
| Q4 2024 | 81.11% | 87.43% | $0 | $2.3M |
| Q1 2025 | 80.80% | 88.80% | $443K | $1.1M |
| Q2 2025 | 79.93% | 90.11% | $0 | $400K |
| Q3 2025 | 80.29% | 89.69% | $0 | $400K |
| Q4 2025 | 86.76% | 88.82% | $4.0M | $400K |
| Q1 2026 | 79.47% | 87.13% | $0 | $400K |
| Q2 2026 | 82.52% | 87.28% | $0 | $400K |
Farmers State Bank of Underwood 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 Underwood, 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 Underwood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10174) · FFIEC NIC profile (RSSD 865852)