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.
Fed funds sold and reverse repos dropped 19.7% in Q2 2026, from $5.4M to $4.3M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Farmers State Bank is 111th of 169 on loan-to-deposit ratio, 70.02% as of Q2 2026, below the middle of the field. The Farmers State Bank reported 70.02% on loan-to-deposit ratio for Q2 2026, 10.82 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 | $10.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.4M |
| Fed funds sold and reverse repos | $4.3M |
| Fed funds sold and reverse repos to assets | 2.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7K |
| 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 | 70.02% |
| Net loans and leases to deposits | 68.92% |
| Loans and leases to core deposits | 76.33% |
| Core deposits to total deposits | 90.36% |
| Brokered deposits to total deposits | 1.38% |
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 | 63.93% | 92.71% | $0 | $3.0M |
| Q4 2023 | 65.99% | 93.11% | $0 | $9.2M |
| Q1 2024 | 66.70% | 91.74% | $0 | $7.2M |
| Q2 2024 | 67.11% | 91.39% | $0 | $7.1M |
| Q3 2024 | 67.77% | 91.74% | $0 | $7.1M |
| Q4 2024 | 67.01% | 88.74% | $0 | $1.0M |
| Q1 2025 | 65.60% | 90.47% | $0 | $1.0M |
| Q2 2025 | 66.27% | 90.08% | $0 | $1.0M |
| Q3 2025 | 67.07% | 89.91% | $0 | $10K |
| Q4 2025 | 71.16% | 90.65% | $0 | $9K |
| Q1 2026 | 69.90% | 90.10% | $0 | $8K |
| Q2 2026 | 70.02% | 90.36% | $0 | $7K |
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 404) · FFIEC NIC profile (RSSD 647759)