First Secure 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: 4.34 percentage points higher than in Q1 2026, at 86.92%. Within Illinois, First Secure State Bank is 125th of 323 on loan-to-deposit ratio, 80.55% as of Q2 2026. At 80.55%, First Secure State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.6M |
| 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 | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.56% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.55% |
| Net loans and leases to deposits | 79.67% |
| Loans and leases to core deposits | 86.92% |
| Core deposits to total deposits | 92.68% |
| 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 | 64.85% | 94.55% | $0 | $17.5M |
| Q4 2023 | 63.66% | 94.45% | $0 | $6.5M |
| Q1 2024 | 68.52% | 93.46% | $0 | $2.5M |
| Q2 2024 | 71.97% | 92.67% | $0 | $6.5M |
| Q3 2024 | 72.00% | 93.21% | $0 | $6.5M |
| Q4 2024 | 70.29% | 93.78% | $0 | $10.0M |
| Q1 2025 | 68.59% | 93.29% | $0 | $13.0M |
| Q2 2025 | 67.90% | 93.67% | $0 | $18.0M |
| Q3 2025 | 65.69% | 93.05% | $0 | $15.0M |
| Q4 2025 | 75.65% | 93.75% | $0 | $16.0M |
| Q1 2026 | 76.76% | 92.96% | $0 | $14.0M |
| Q2 2026 | 80.55% | 92.68% | $0 | $17.0M |
First Secure 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 Secure 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 Secure State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22971) · FFIEC NIC profile (RSSD 285348)