Farmers State Bank & Trust Company: 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 Q3 2026 was in Loans and leases to core deposits: 2.04 percentage points higher than in Q2 2026, at 59.88%. Farmers State Bank & Trust Company ranks 90th of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 53.10% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank & Trust Company sits 27.74 points lower, at 53.10% (Q3 2026); the peer median is as of Q2 2026.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $82.1M |
| Fed funds sold and reverse repos | $19.8M |
| Fed funds sold and reverse repos to assets | 11.73% |
Borrowed funds
| Line item | Q3 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 | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 53.10% |
| Net loans and leases to deposits | 52.13% |
| Loans and leases to core deposits | 59.88% |
| Core deposits to total deposits | 88.68% |
| Brokered deposits to total deposits | 0.67% |
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 |
|---|---|---|---|---|
| Q4 2023 | 51.95% | 89.16% | $0 | $0 |
| Q1 2024 | 54.36% | 88.56% | $0 | $0 |
| Q2 2024 | 55.45% | 89.78% | $0 | $0 |
| Q3 2024 | 55.78% | 89.48% | $0 | $0 |
| Q4 2024 | 52.81% | 88.03% | $0 | $0 |
| Q1 2025 | 48.41% | 89.24% | $0 | $0 |
| Q2 2025 | 49.69% | 89.13% | $0 | $0 |
| Q3 2025 | 50.41% | 89.16% | $0 | $0 |
| Q4 2025 | 51.69% | 87.61% | $0 | $0 |
| Q1 2026 | 48.95% | 89.78% | $0 | $0 |
| Q2 2026 | 51.68% | 89.35% | $0 | $0 |
| Q3 2026 | 53.10% | 88.68% | $0 | $0 |
Farmers State Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16114) · FFIEC NIC profile (RSSD 567736)