First Southern 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 Cash and balances due from depository institutions: 57.4% higher than in Q1 2026, at $38.1M. First Southern Bank ranks 188th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.51% (Q2 2026). First Southern Bank reported 72.51% on loan-to-deposit ratio for Q2 2026, 15.69 points below 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 | $38.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $331.6M |
| 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 | $21.2M |
| 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 | 72.51% |
| Net loans and leases to deposits | 71.66% |
| Loans and leases to core deposits | 79.65% |
| Core deposits to total deposits | 91.04% |
| 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 | 74.09% | 94.81% | $24.2M | $20.0M |
| Q4 2023 | 74.96% | 94.27% | $20.8M | $0 |
| Q1 2024 | 75.16% | 94.27% | $22.6M | $0 |
| Q2 2024 | 73.93% | 93.50% | $23.8M | $0 |
| Q3 2024 | 71.22% | 93.24% | $24.9M | $0 |
| Q4 2024 | 73.71% | 93.09% | $20.7M | $0 |
| Q1 2025 | 72.65% | 93.19% | $21.2M | $0 |
| Q2 2025 | 74.40% | 93.08% | $23.7M | $30.0M |
| Q3 2025 | 75.57% | 92.72% | $20.2M | $23.0M |
| Q4 2025 | 74.97% | 93.53% | $23.1M | $0 |
| Q1 2026 | 74.05% | 92.00% | $24.4M | $0 |
| Q2 2026 | 72.51% | 91.04% | $21.2M | $0 |
First Southern Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15565) · FFIEC NIC profile (RSSD 382649)