The Farmers State Bank of Waupaca: 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 Q3 2026 was in Fed funds sold and reverse repos: 59.9% higher than in Q2 2026, at $15.4M. The Farmers State Bank of Waupaca ranks 129th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 71.57% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Farmers State Bank of Waupaca sits 9.26 points lower, at 71.57% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $91.0M |
| Fed funds sold and reverse repos | $15.4M |
| Fed funds sold and reverse repos to assets | 5.52% |
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 | 71.57% |
| Net loans and leases to deposits | 70.68% |
| Loans and leases to core deposits | 75.90% |
| Core deposits to total deposits | 94.30% |
| 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 | 68.29% | 96.03% | $0 | $0 |
| Q1 2024 | 69.82% | 95.41% | $0 | $0 |
| Q2 2024 | 72.67% | 95.13% | $0 | $0 |
| Q3 2024 | 70.02% | 95.23% | $0 | $0 |
| Q4 2024 | 67.04% | 94.66% | $0 | $0 |
| Q1 2025 | 71.53% | 93.93% | $0 | $0 |
| Q2 2025 | 71.82% | 94.23% | $0 | $0 |
| Q3 2025 | 70.14% | 94.71% | $0 | $0 |
| Q4 2025 | 66.66% | 94.95% | $0 | $0 |
| Q1 2026 | 69.34% | 94.39% | $0 | $0 |
| Q2 2026 | 70.86% | 93.76% | $0 | $0 |
| Q3 2026 | 71.57% | 94.30% | $0 | $0 |
The Farmers State Bank of Waupaca 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 Waupaca, 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 Waupaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13033) · FFIEC NIC profile (RSSD 879747)