United 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.
Fed funds purchased and repos dropped 100.0% in Q2 2026, from $3.3M to $0. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, United Farmers State Bank sits 8th from the top on loan-to-deposit ratio, 113.34% as of Q2 2026. United Farmers State Bank reported 113.34% on loan-to-deposit ratio for Q2 2026, 32.50 points above 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 | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $21.7M |
| Fed funds sold and reverse repos | $6.1M |
| Fed funds sold and reverse repos to assets | 2.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $28.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 113.34% |
| Net loans and leases to deposits | 111.97% |
| Loans and leases to core deposits | 128.50% |
| Core deposits to total deposits | 82.55% |
| Brokered deposits to total deposits | 5.65% |
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 | 101.38% | 91.69% | $0 | $3.5M |
| Q4 2023 | 104.90% | 91.47% | $1.2M | $9.5M |
| Q1 2024 | 104.39% | 90.19% | $1.1M | $6.5M |
| Q2 2024 | 111.30% | 88.24% | $1.2M | $19.5M |
| Q3 2024 | 111.63% | 85.96% | $2.9M | $19.5M |
| Q4 2024 | 114.85% | 87.26% | $4.6M | $24.5M |
| Q1 2025 | 114.26% | 86.41% | $693K | $24.5M |
| Q2 2025 | 116.54% | 84.10% | $0 | $32.6M |
| Q3 2025 | 112.55% | 82.83% | $0 | $32.7M |
| Q4 2025 | 117.45% | 82.89% | $1.4M | $30.1M |
| Q1 2026 | 115.96% | 82.55% | $3.3M | $24.1M |
| Q2 2026 | 113.34% | 82.55% | $0 | $28.6M |
United 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 United 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 United Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8821) · FFIEC NIC profile (RSSD 328656)