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 Loans and leases to core deposits: 3.49 percentage points lower than in Q1 2026, at 56.88%. First Southern Bank ranks 51st of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 54.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Southern Bank sits 25.91 points lower, at 54.92% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $46.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $151.3M |
| 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 | $13.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.25% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.92% |
| Net loans and leases to deposits | 54.18% |
| Loans and leases to core deposits | 56.88% |
| Core deposits to total deposits | 96.55% |
| 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 | 59.62% | 96.70% | $0 | $0 |
| Q4 2023 | 62.57% | 96.22% | $0 | $0 |
| Q1 2024 | 62.52% | 96.03% | $0 | $0 |
| Q2 2024 | 63.70% | 95.97% | $0 | $0 |
| Q3 2024 | 64.51% | 95.84% | $0 | $0 |
| Q4 2024 | 61.50% | 96.26% | $0 | $0 |
| Q1 2025 | 58.72% | 96.34% | $0 | $0 |
| Q2 2025 | 49.29% | 96.87% | $0 | $0 |
| Q3 2025 | 63.22% | 95.33% | $0 | $13.5M |
| Q4 2025 | 62.60% | 96.23% | $0 | $13.5M |
| Q1 2026 | 57.95% | 95.98% | $0 | $13.5M |
| Q2 2026 | 54.92% | 96.55% | $0 | $13.5M |
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 31158) · FFIEC NIC profile (RSSD 954671)