First American 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 Loans and leases to core deposits: 5.85 percentage points lower than in Q1 2026, at 104.22%. First American State Bank ranks 16th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 94.00% (Q2 2026). First American State Bank reported 94.00% on loan-to-deposit ratio for Q2 2026, 13.16 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 | $8.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.5M |
| 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 | $569K |
| Other borrowed money | $42.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.00% |
| Net loans and leases to deposits | 93.09% |
| Loans and leases to core deposits | 104.22% |
| Core deposits to total deposits | 90.20% |
| Brokered deposits to total deposits | 9.05% |
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 | 85.81% | 90.07% | $3.0M | $16.5M |
| Q4 2023 | 93.74% | 89.76% | $1.8M | $33.5M |
| Q1 2024 | 101.38% | 88.91% | $4.1M | $49.2M |
| Q2 2024 | 106.60% | 87.72% | $934K | $63.3M |
| Q3 2024 | 108.71% | 87.38% | $391K | $68.5M |
| Q4 2024 | 109.83% | 88.25% | $420K | $73.5M |
| Q1 2025 | 104.11% | 88.85% | $419K | $66.5M |
| Q2 2025 | 107.25% | 82.30% | $421K | $65.1M |
| Q3 2025 | 98.65% | 84.02% | $406K | $56.7M |
| Q4 2025 | 99.40% | 91.00% | $500K | $54.9M |
| Q1 2026 | 99.24% | 90.16% | $477K | $53.1M |
| Q2 2026 | 94.00% | 90.20% | $569K | $42.8M |
First American State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34040) · FFIEC NIC profile (RSSD 2317672)