Iroquois Farmers 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.
Loans and leases to core deposits climbed 7.57 percentage points in Q2 2026, from 77.08% to 84.66%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Iroquois Farmers State Bank is 191st of 323 on loan-to-deposit ratio, 72.11% as of Q2 2026, below the middle of the field. Iroquois Farmers State Bank reported 72.11% on loan-to-deposit ratio for Q2 2026, 8.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $53.5M |
| Fed funds sold and reverse repos | $739K |
| Fed funds sold and reverse repos to assets | 0.42% |
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 | 72.11% |
| Net loans and leases to deposits | 71.79% |
| Loans and leases to core deposits | 84.66% |
| Core deposits to total deposits | 85.18% |
| Brokered deposits to total deposits | 6.30% |
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 | 62.40% | 79.17% | $0 | $0 |
| Q4 2023 | 65.36% | 83.55% | $3.9M | $0 |
| Q1 2024 | 67.94% | 92.21% | $5.4M | $0 |
| Q2 2024 | 68.56% | 88.65% | $1.3M | $0 |
| Q3 2024 | 75.78% | 89.40% | $5.4M | $0 |
| Q4 2024 | 69.43% | 83.97% | $0 | $0 |
| Q1 2025 | 65.70% | 89.28% | $0 | $0 |
| Q2 2025 | 68.16% | 89.62% | $2.5M | $0 |
| Q3 2025 | 70.38% | 82.25% | $2.8M | $0 |
| Q4 2025 | 70.21% | 84.34% | $2.3M | $0 |
| Q1 2026 | 68.86% | 89.33% | $0 | $0 |
| Q2 2026 | 72.11% | 85.18% | $0 | $0 |
Iroquois Farmers State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Iroquois Farmers 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 Iroquois Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11746) · FFIEC NIC profile (RSSD 1007930)