The Farmers State Bank: 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 to assets: 6.87 percentage points lower than in Q1 2026, at 3.48%. The Farmers State Bank ranks 132nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 63.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Farmers State Bank sits 17.27 points lower, at 63.67% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.2M |
| Fed funds sold and reverse repos | $9.0M |
| Fed funds sold and reverse repos to assets | 3.48% |
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 | 63.67% |
| Net loans and leases to deposits | 62.65% |
| Loans and leases to core deposits | 71.08% |
| Core deposits to total deposits | 89.57% |
| 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 | 77.42% | 96.08% | $8.7M | $0 |
| Q4 2023 | 77.07% | 95.17% | $0 | $10.8M |
| Q1 2024 | 77.29% | 94.47% | $0 | $1.0M |
| Q2 2024 | 77.06% | 93.97% | $0 | $0 |
| Q3 2024 | 77.18% | 93.68% | $1.7M | $0 |
| Q4 2024 | 76.92% | 94.35% | $3.3M | $0 |
| Q1 2025 | 65.74% | 93.32% | $0 | $0 |
| Q2 2025 | 67.97% | 92.83% | $0 | $0 |
| Q3 2025 | 66.62% | 92.69% | $0 | $0 |
| Q4 2025 | 69.10% | 92.21% | $0 | $0 |
| Q1 2026 | 63.29% | 90.94% | $0 | $0 |
| Q2 2026 | 63.67% | 89.57% | $0 | $0 |
The Farmers State Bank 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, 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 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15164) · FFIEC NIC profile (RSSD 615851)