Farmers Trust & 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 3.72 percentage points in Q2 2026, from 74.00% to 77.73%. It was the largest change from Q1 2026 among the key lines here. Farmers Trust & Savings Bank ranks 154th of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 72.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers Trust & Savings Bank sits 8.48 points lower, at 72.36% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $46.3M |
| 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 | 72.36% |
| Net loans and leases to deposits | 71.61% |
| Loans and leases to core deposits | 77.73% |
| Core deposits to total deposits | 93.10% |
| 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 | 65.76% | 95.23% | $195K | $3.0M |
| Q4 2023 | 72.10% | 93.23% | $0 | $8.7M |
| Q1 2024 | 68.00% | 92.87% | $0 | $1.1M |
| Q2 2024 | 64.84% | 92.03% | $0 | $1.1M |
| Q3 2024 | 68.77% | 92.88% | $0 | $1.1M |
| Q4 2024 | 67.47% | 92.85% | $0 | $1.1M |
| Q1 2025 | 64.87% | 93.76% | $0 | $0 |
| Q2 2025 | 65.62% | 93.32% | $0 | $0 |
| Q3 2025 | 72.85% | 92.35% | $1.6M | $0 |
| Q4 2025 | 72.31% | 93.14% | $0 | $0 |
| Q1 2026 | 69.38% | 93.76% | $0 | $0 |
| Q2 2026 | 72.36% | 93.10% | $0 | $0 |
Farmers Trust & 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 & 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 & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8510) · FFIEC NIC profile (RSSD 646042)