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.
Loans and leases to core deposits climbed 5.37 percentage points in Q2 2026, from 90.13% to 95.50%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Trust and Savings Bank is 68th of 225 on loan-to-deposit ratio, 91.05% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Trust and Savings Bank sits 10.22 points higher, at 91.05% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $105.6M |
| 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 | $0 |
| 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 | 91.05% |
| Net loans and leases to deposits | 90.00% |
| Loans and leases to core deposits | 95.50% |
| Core deposits to total deposits | 77.38% |
| Brokered deposits to total deposits | 17.96% |
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 | 99.82% | 79.86% | $27.7M | $9.0M |
| Q4 2023 | 101.44% | 78.38% | $23.2M | $18.5M |
| Q1 2024 | 96.65% | 78.03% | $20.9M | $5.0M |
| Q2 2024 | 98.77% | 75.97% | $21.1M | $12.5M |
| Q3 2024 | 95.11% | 76.76% | $22.8M | $5.0M |
| Q4 2024 | 95.72% | 74.85% | $20.2M | $5.0M |
| Q1 2025 | 94.88% | 76.40% | $19.2M | $5.0M |
| Q2 2025 | 95.93% | 77.00% | $25.4M | $0 |
| Q3 2025 | 89.77% | 76.33% | $4.9M | $0 |
| Q4 2025 | 87.52% | 78.67% | $2.2M | $0 |
| Q1 2026 | 85.82% | 79.69% | $0 | $0 |
| Q2 2026 | 91.05% | 77.38% | $0 | $0 |
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 12858) · FFIEC NIC profile (RSSD 543945)