Farmers Trust and Savings 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 Loans and leases to core deposits: 12.66 percentage points higher than in Q1 2026, at 113.75%. Among 225 Iowa banks, Farmers Trust and Savings Bank sits 9th from the top on loan-to-deposit ratio, 108.65% as of Q2 2026. Farmers Trust and Savings Bank reported 108.65% on loan-to-deposit ratio for Q2 2026, 27.81 points above 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 | $2.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $31.2M |
| 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 | $677K |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.65% |
| Net loans and leases to deposits | 108.20% |
| Loans and leases to core deposits | 113.75% |
| Core deposits to total deposits | 95.51% |
| 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 | 89.94% | 95.57% | $0 | $400K |
| Q4 2023 | 93.73% | 95.62% | $0 | $400K |
| Q1 2024 | 90.39% | 95.16% | $0 | $400K |
| Q2 2024 | 92.58% | 93.19% | $0 | $200K |
| Q3 2024 | 93.04% | 92.81% | $0 | $0 |
| Q4 2024 | 90.05% | 94.17% | $0 | $0 |
| Q1 2025 | 89.57% | 94.97% | $0 | $0 |
| Q2 2025 | 93.63% | 94.60% | $0 | $0 |
| Q3 2025 | 97.27% | 95.21% | $0 | $0 |
| Q4 2025 | 94.10% | 95.25% | $0 | $0 |
| Q1 2026 | 96.99% | 95.94% | $0 | $0 |
| Q2 2026 | 108.65% | 95.51% | $677K | $6.0M |
Farmers Trust and Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust and Savings 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 Farmers Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14392) · FFIEC NIC profile (RSSD 382443)