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 Other borrowed money: 90.2% higher than in Q1 2026, at $8.8M. Within Kansas, The Farmers State Bank is 140th of 182 on loan-to-deposit ratio, 59.64% as of Q2 2026, below the middle of the field. The Farmers State Bank reported 59.64% on loan-to-deposit ratio for Q2 2026, 21.20 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 | $8.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.4M |
| 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 | $8.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.88% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.64% |
| Net loans and leases to deposits | 58.99% |
| Loans and leases to core deposits | 76.00% |
| Core deposits to total deposits | 77.26% |
| Brokered deposits to total deposits | 1.21% |
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 | 55.11% | 81.30% | $0 | $3.3M |
| Q4 2023 | 55.05% | 77.60% | $0 | $3.3M |
| Q1 2024 | 55.66% | 76.27% | $0 | $4.1M |
| Q2 2024 | 59.55% | 74.38% | $0 | $7.5M |
| Q3 2024 | 57.95% | 74.59% | $0 | $7.4M |
| Q4 2024 | 59.04% | 75.77% | $1.1M | $2.9M |
| Q1 2025 | 57.16% | 76.89% | $0 | $2.7M |
| Q2 2025 | 60.87% | 75.60% | $0 | $4.8M |
| Q3 2025 | 57.98% | 77.84% | $0 | $4.7M |
| Q4 2025 | 57.06% | 78.75% | $0 | $4.7M |
| Q1 2026 | 57.76% | 78.35% | $0 | $4.6M |
| Q2 2026 | 59.64% | 77.26% | $0 | $8.8M |
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 13883) · FFIEC NIC profile (RSSD 801056)