Ford County State 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.
Fed funds sold and reverse repos climbed 54.7% in Q2 2026, from $1.3M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Ford County State Bank ranks 147th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 57.85% (Q2 2026). Ford County State Bank reported 57.85% on loan-to-deposit ratio for Q2 2026, 10.08 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.8M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 3.51% |
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 | 57.85% |
| Net loans and leases to deposits | 57.18% |
| Loans and leases to core deposits | 64.45% |
| Core deposits to total deposits | 89.76% |
| 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 | 48.78% | 89.42% | $1.9M | $0 |
| Q4 2023 | 46.35% | 89.86% | $0 | $1.5M |
| Q1 2024 | 45.71% | 90.29% | $0 | $0 |
| Q2 2024 | 53.62% | 88.45% | $0 | $4.8M |
| Q3 2024 | 56.50% | 88.58% | $0 | $5.8M |
| Q4 2024 | 60.33% | 88.16% | $0 | $7.2M |
| Q1 2025 | 57.60% | 88.13% | $0 | $5.0M |
| Q2 2025 | 63.80% | 87.63% | $0 | $8.0M |
| Q3 2025 | 63.23% | 88.20% | $0 | $7.0M |
| Q4 2025 | 63.35% | 89.34% | $0 | $7.0M |
| Q1 2026 | 55.18% | 90.35% | $0 | $0 |
| Q2 2026 | 57.85% | 89.76% | $0 | $0 |
Ford County State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ford County State 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 Ford County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12139) · FFIEC NIC profile (RSSD 540850)