BankFirst Financial Services: 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 Loans and leases to core deposits: 2.52 percentage points higher than in Q1 2026, at 88.81%. BankFirst Financial Services ranks 19th of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 80.34% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. BankFirst Financial Services sits 7.87 points lower, at 80.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $199.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $760.3M |
| 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 | $25K |
| 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 | 80.34% |
| Net loans and leases to deposits | 79.28% |
| Loans and leases to core deposits | 88.81% |
| Core deposits to total deposits | 90.42% |
| Brokered deposits to total deposits | 0.03% |
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 | 75.62% | 94.54% | $0 | $0 |
| Q4 2023 | 76.94% | 93.65% | $0 | $0 |
| Q1 2024 | 77.65% | 93.24% | $0 | $0 |
| Q2 2024 | 79.15% | 93.00% | $0 | $0 |
| Q3 2024 | 77.86% | 91.89% | $0 | $0 |
| Q4 2024 | 78.55% | 91.83% | $0 | $0 |
| Q1 2025 | 75.45% | 91.76% | $0 | $0 |
| Q2 2025 | 77.07% | 91.49% | $0 | $0 |
| Q3 2025 | 76.91% | 91.06% | $0 | $0 |
| Q4 2025 | 78.61% | 90.71% | $0 | $0 |
| Q1 2026 | 78.41% | 90.83% | $0 | $0 |
| Q2 2026 | 80.34% | 90.42% | $25K | $0 |
BankFirst Financial Services liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock BankFirst Financial Services, 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 BankFirst Financial Services profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8870) · FFIEC NIC profile (RSSD 914648)