The Fidelity State Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Cash and balances due from depository institutions, which fell 6.7% to $80.2M. The Fidelity State Bank and Trust Company has the 1st lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 13.94% as of Q2 2026. The Fidelity State Bank and Trust Company's loan-to-deposit ratio of 13.94% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 67.00 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $80.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $167.8M |
| 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 | 13.94% |
| Net loans and leases to deposits | 13.52% |
| Loans and leases to core deposits | 14.21% |
| Core deposits to total deposits | 98.14% |
| 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 | 15.31% | 98.33% | $0 | $0 |
| Q4 2023 | 14.23% | 98.20% | $0 | $0 |
| Q1 2024 | 13.63% | 98.20% | $0 | $0 |
| Q2 2024 | 12.84% | 98.22% | $0 | $0 |
| Q3 2024 | 14.00% | 97.87% | $0 | $0 |
| Q4 2024 | 14.97% | 97.77% | $0 | $0 |
| Q1 2025 | 13.00% | 97.67% | $0 | $0 |
| Q2 2025 | 13.94% | 97.62% | $0 | $0 |
| Q3 2025 | 13.29% | 97.99% | $0 | $0 |
| Q4 2025 | 13.84% | 98.08% | $0 | $0 |
| Q1 2026 | 13.31% | 98.02% | $0 | $0 |
| Q2 2026 | 13.94% | 98.14% | $0 | $0 |
The Fidelity State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity State Bank and Trust Company, 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 The Fidelity State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10920) · FFIEC NIC profile (RSSD 638850)