First Service 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 Other borrowed money: 395.8% higher than in Q1 2026, at $9.4M. First Service Bank ranks 16th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 96.70% (Q2 2026). First Service Bank reported 96.70% on loan-to-deposit ratio for Q2 2026, 8.50 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.2M |
| Fed funds sold and reverse repos | $32.4M |
| Fed funds sold and reverse repos to assets | 3.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $9.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.70% |
| Net loans and leases to deposits | 95.40% |
| Loans and leases to core deposits | 115.62% |
| Core deposits to total deposits | 70.12% |
| Brokered deposits to total deposits | 13.52% |
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 | 95.99% | 69.81% | $0 | $33.0M |
| Q4 2023 | 97.67% | 71.32% | $0 | $27.0M |
| Q1 2024 | 97.20% | 68.64% | $0 | $23.0M |
| Q2 2024 | 99.37% | 72.35% | $0 | $28.0M |
| Q3 2024 | 93.63% | 66.49% | $0 | $0 |
| Q4 2024 | 94.53% | 71.42% | $0 | $0 |
| Q1 2025 | 92.62% | 71.95% | $0 | $0 |
| Q2 2025 | 94.85% | 74.50% | $0 | $15.0M |
| Q3 2025 | 95.64% | 71.30% | $0 | $1.9M |
| Q4 2025 | 95.04% | 73.28% | $0 | $21.9M |
| Q1 2026 | 96.38% | 69.80% | $0 | $1.9M |
| Q2 2026 | 96.70% | 70.12% | $0 | $9.4M |
First Service Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Service 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 Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18519) · FFIEC NIC profile (RSSD 458544)