Independent Farmers 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 dropped 77.0% in Q2 2026, from $11.6M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Independent Farmers Bank is 163rd of 192 on loan-to-deposit ratio, 66.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Independent Farmers Bank sits 13.88 points lower, at 66.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.2M |
| 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 | $2.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.96% |
| Net loans and leases to deposits | 66.15% |
| Loans and leases to core deposits | 75.52% |
| Core deposits to total deposits | 88.66% |
| 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 | 61.67% | 91.56% | $0 | $11.8M |
| Q4 2023 | 57.39% | 88.07% | $352K | $2.3M |
| Q1 2024 | 59.12% | 88.87% | $0 | $5.3M |
| Q2 2024 | 63.23% | 87.84% | $0 | $7.1M |
| Q3 2024 | 67.39% | 88.14% | $0 | $13.2M |
| Q4 2024 | 63.32% | 88.04% | $0 | $8.4M |
| Q1 2025 | 62.98% | 87.37% | $0 | $3.3M |
| Q2 2025 | 63.49% | 85.69% | $0 | $3.5M |
| Q3 2025 | 64.26% | 84.97% | $840K | $3.5M |
| Q4 2025 | 58.31% | 86.06% | $0 | $900K |
| Q1 2026 | 61.01% | 87.99% | $0 | $900K |
| Q2 2026 | 66.96% | 88.66% | $0 | $2.6M |
Independent Farmers Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Farmers 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 Independent Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11462) · FFIEC NIC profile (RSSD 956152)