1st 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.
The standout move of Q2 2026 was in Net loans and leases to deposits: 0.95 percentage points higher than in Q1 2026, at 74.23%. Within Michigan, 1st State Bank is 47th of 72 on loan-to-deposit ratio, 75.43% 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. 1st State Bank sits 5.40 points lower, at 75.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $80.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $141.9M |
| 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 | $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 | 75.43% |
| Net loans and leases to deposits | 74.23% |
| Loans and leases to core deposits | 76.69% |
| Core deposits to total deposits | 98.36% |
| 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 | 66.06% | 98.09% | $0 | $7.5M |
| Q4 2023 | 65.16% | 97.95% | $0 | $7.5M |
| Q1 2024 | 65.26% | 96.37% | $0 | $5.0M |
| Q2 2024 | 66.48% | 94.68% | $0 | $2.0M |
| Q3 2024 | 69.46% | 95.76% | $0 | $2.0M |
| Q4 2024 | 71.36% | 95.47% | $0 | $2.0M |
| Q1 2025 | 75.79% | 96.04% | $0 | $2.0M |
| Q2 2025 | 81.71% | 97.73% | $0 | $22.0M |
| Q3 2025 | 79.44% | 96.49% | $0 | $6.0M |
| Q4 2025 | 75.88% | 96.74% | $0 | $1.0M |
| Q1 2026 | 74.58% | 97.77% | $0 | $0 |
| Q2 2026 | 75.43% | 98.36% | $0 | $0 |
1st State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st 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 1st State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57626) · FFIEC NIC profile (RSSD 3223305)