First & Farmers National Bank, Inc.: 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 Fed funds purchased and repos: 99.9% lower than in Q1 2026, at $4K. Within Kentucky, First & Farmers National Bank, Inc. is 75th of 120 on loan-to-deposit ratio, 78.51% as of Q2 2026, below the middle of the field. First & Farmers National Bank, Inc. reported 78.51% on loan-to-deposit ratio for Q2 2026, 2.44 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $43.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $203.6M |
| Fed funds sold and reverse repos | $1.1M |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $4K |
| 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 | 78.51% |
| Net loans and leases to deposits | 77.30% |
| Loans and leases to core deposits | 86.87% |
| Core deposits to total deposits | 90.38% |
| 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 | 76.71% | 90.66% | $10.8M | $0 |
| Q4 2023 | 79.19% | 88.25% | $12.9M | $7.0M |
| Q1 2024 | 77.13% | 88.12% | $8.0M | $0 |
| Q2 2024 | 79.82% | 87.50% | $8.5M | $0 |
| Q3 2024 | 82.57% | 86.69% | $24.1M | $0 |
| Q4 2024 | 85.66% | 87.77% | $21.4M | $0 |
| Q1 2025 | 83.59% | 91.02% | $20.1M | $0 |
| Q2 2025 | 84.03% | 90.78% | $19.3M | $681K |
| Q3 2025 | 84.43% | 90.00% | $23.1M | $0 |
| Q4 2025 | 83.39% | 90.31% | $18.1M | $0 |
| Q1 2026 | 81.25% | 90.81% | $6.8M | $0 |
| Q2 2026 | 78.51% | 90.38% | $4K | $0 |
First & Farmers National Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Farmers National Bank, Inc., 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 First & Farmers National Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)