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.
Cash and balances due from depository institutions climbed 169.0% in Q2 2026, from $5.4M to $14.5M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers Trust & Savings Bank is 38th of 225 on loan-to-deposit ratio, 97.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Farmers Trust & Savings Bank sits 16.52 points higher, at 97.47% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.4M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 1.45% |
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 | 97.47% |
| Net loans and leases to deposits | 96.00% |
| Loans and leases to core deposits | 111.67% |
| Core deposits to total deposits | 87.29% |
| Brokered deposits to total deposits | 1.35% |
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 | 106.99% | 94.86% | $2.9M | $10.0M |
| Q4 2023 | 108.06% | 94.41% | $1.4M | $16.0M |
| Q1 2024 | 107.37% | 92.31% | $0 | $13.0M |
| Q2 2024 | 107.03% | 91.41% | $0 | $13.0M |
| Q3 2024 | 106.50% | 89.49% | $0 | $13.0M |
| Q4 2024 | 103.82% | 89.58% | $0 | $10.0M |
| Q1 2025 | 104.42% | 88.30% | $1.2M | $6.0M |
| Q2 2025 | 105.31% | 87.62% | $0 | $10.0M |
| Q3 2025 | 104.68% | 86.00% | $0 | $8.0M |
| Q4 2025 | 102.84% | 85.27% | $0 | $15.0M |
| Q1 2026 | 102.77% | 86.15% | $2.2M | $2.0M |
| Q2 2026 | 97.47% | 87.29% | $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 14195) · FFIEC NIC profile (RSSD 825847)