First Choice 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.
Loans and leases to core deposits climbed 8.02 percentage points in Q2 2026, from 86.63% to 94.65%. It was the largest change from Q1 2026 among the key lines here. First Choice Bank ranks 21st of 57 Mississippi banks on loan-to-deposit ratio, in the upper half at 79.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; First Choice Bank reported 79.69% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $121.4M |
| 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 | 79.69% |
| Net loans and leases to deposits | 78.90% |
| Loans and leases to core deposits | 94.65% |
| Core deposits to total deposits | 84.03% |
| Brokered deposits to total deposits | 0.16% |
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 | 67.13% | 89.18% | $0 | $0 |
| Q4 2023 | 65.43% | 89.07% | $0 | $0 |
| Q1 2024 | 61.51% | 86.17% | $0 | $0 |
| Q2 2024 | 63.02% | 84.69% | $0 | $0 |
| Q3 2024 | 67.90% | 85.01% | $0 | $0 |
| Q4 2024 | 70.91% | 84.80% | $0 | $0 |
| Q1 2025 | 70.18% | 85.03% | $0 | $0 |
| Q2 2025 | 75.55% | 84.79% | $0 | $0 |
| Q3 2025 | 78.11% | 84.55% | $0 | $0 |
| Q4 2025 | 77.03% | 82.24% | $0 | $0 |
| Q1 2026 | 73.13% | 82.44% | $0 | $0 |
| Q2 2026 | 79.69% | 84.03% | $0 | $0 |
First Choice Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Choice 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 Choice Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5006) · FFIEC NIC profile (RSSD 968744)