Farmers State Bank of Western Illinois: 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 Cash and balances due from depository institutions: 11.9% higher than in Q1 2026, at $27.2M. Within Illinois, Farmers State Bank of Western Illinois is 274th of 323 on loan-to-deposit ratio, 52.11% as of Q2 2026, below the middle of the field. Farmers State Bank of Western Illinois reported 52.11% on loan-to-deposit ratio for Q2 2026, 28.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $27.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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 | 52.11% |
| Net loans and leases to deposits | 51.01% |
| Loans and leases to core deposits | 52.86% |
| Core deposits to total deposits | 98.58% |
| 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 | 45.35% | 99.38% | $0 | $0 |
| Q4 2023 | 45.42% | 99.17% | $0 | $0 |
| Q1 2024 | 48.87% | 98.96% | $0 | $0 |
| Q2 2024 | 51.76% | 98.93% | $0 | $0 |
| Q3 2024 | 49.53% | 98.96% | $0 | $0 |
| Q4 2024 | 50.29% | 99.14% | $0 | $0 |
| Q1 2025 | 52.94% | 98.91% | $0 | $0 |
| Q2 2025 | 53.44% | 99.13% | $0 | $0 |
| Q3 2025 | 52.42% | 99.33% | $0 | $0 |
| Q4 2025 | 49.69% | 99.01% | $0 | $0 |
| Q1 2026 | 51.50% | 98.78% | $0 | $0 |
| Q2 2026 | 52.11% | 98.58% | $0 | $0 |
Farmers State Bank of Western Illinois 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 Western Illinois, 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 Western Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11680) · FFIEC NIC profile (RSSD 653433)