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: 35.4% higher than in Q1 2026, at $8.9M. The Farmers State Bank ranks 118th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 68.09% (Q2 2026). At 68.09%, The Farmers State Bank's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.3M |
| Fed funds sold and reverse repos | $8.9M |
| Fed funds sold and reverse repos to assets | 10.31% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $581K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.67% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.09% |
| Net loans and leases to deposits | 67.38% |
| Loans and leases to core deposits | 87.52% |
| Core deposits to total deposits | 77.80% |
| 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 | 85.28% | 81.44% | $4.6M | $3.7M |
| Q4 2023 | 76.32% | 79.28% | $0 | $675K |
| Q1 2024 | 77.08% | 79.99% | $0 | $1.7M |
| Q2 2024 | 76.76% | 80.58% | $0 | $1.7M |
| Q3 2024 | 81.45% | 80.64% | $0 | $1.6M |
| Q4 2024 | 80.25% | 80.73% | $0 | $637K |
| Q1 2025 | 76.83% | 81.18% | $0 | $628K |
| Q2 2025 | 75.04% | 81.65% | $0 | $619K |
| Q3 2025 | 78.77% | 80.56% | $0 | $609K |
| Q4 2025 | 73.82% | 82.20% | $0 | $600K |
| Q1 2026 | 69.14% | 77.64% | $0 | $590K |
| Q2 2026 | 68.09% | 77.80% | $0 | $581K |
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 15258) · FFIEC NIC profile (RSSD 863652)