First Southern Bank: Liquidity and Borrowings
BankRegReports is independent of First Southern Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, First Southern Bank reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $79.7M in Q3 2026, down 25.0% from $106.3M in Q3 2025. That is 12.6% of its total assets. Across the 12 quarters shown it ranged from $57.4M (Q1 2024) to $150.4M (Q4 2025).
Other borrowed money dropped 37.5% in Q3 2026, from $40.0M to $25.0M. It was the largest change from Q2 2026 among the key lines here. First Southern Bank ranks 22nd of 92 Alabama banks on loan-to-deposit ratio, in the upper half at 83.82% (Q3 2026). At 83.82%, First Southern Bank's loan-to-deposit ratio is close to the 81.45% median for banks in the $100M-1B asset tier (Q3 2026).
Liquid assets
Largest change in this table: cash and securities, down 16.2% to $170.7M in Q3 2026 after $203.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $79.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $170.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Get an email when First Southern Bank files its next quarter, and see its liquidity and borrowings against peers in the terminal. Free account, no card.
Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.94% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits changed the most here, up 3.34 points to 89.70% in Q3 2026 from 86.36% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.82% |
| Net loans and leases to deposits | 81.81% |
| Loans and leases to core deposits | 89.70% |
| Core deposits to total deposits | 93.44% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 90.41% | 86.14% | $0 | $15.0M |
| Q1 2024 | 98.96% | 85.43% | $0 | $15.0M |
| Q2 2024 | 102.80% | 89.48% | $0 | $40.0M |
| Q3 2024 | 103.02% | 84.75% | $0 | $40.0M |
| Q4 2024 | 96.53% | 86.53% | $0 | $40.0M |
| Q1 2025 | 100.51% | 87.49% | $0 | $40.0M |
| Q2 2025 | 97.18% | 86.91% | $0 | $40.0M |
| Q3 2025 | 91.12% | 86.83% | $0 | $40.0M |
| Q4 2025 | 81.55% | 88.46% | $0 | $40.0M |
| Q1 2026 | 80.86% | 88.65% | $0 | $40.0M |
| Q2 2026 | 80.90% | 93.67% | $0 | $40.0M |
| Q3 2026 | 83.82% | 93.44% | $0 | $25.0M |
First Southern Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First Southern Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 29332) · FFIEC NIC profile (RSSD 66275)