First Southern National 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.
Cash and balances due from depository institutions climbed 13.8% in Q2 2026, from $175.7M to $200.0M. It was the largest change from Q1 2026 among the key lines here. First Southern National Bank ranks 96th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 71.01% (Q2 2026). First Southern National Bank reported 71.01% on loan-to-deposit ratio for Q2 2026, 17.19 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 | $200.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $449.7M |
| Fed funds sold and reverse repos | $113K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.8M |
| 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 | 71.01% |
| Net loans and leases to deposits | 69.80% |
| Loans and leases to core deposits | 74.24% |
| Core deposits to total deposits | 95.65% |
| 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 | 70.25% | 96.06% | $2.2M | $0 |
| Q4 2023 | 73.65% | 95.83% | $2.0M | $0 |
| Q1 2024 | 71.94% | 95.57% | $1.4M | $0 |
| Q2 2024 | 70.05% | 95.40% | $1.4M | $0 |
| Q3 2024 | 70.77% | 95.18% | $1.1M | $0 |
| Q4 2024 | 70.81% | 95.03% | $1.2M | $0 |
| Q1 2025 | 69.08% | 95.18% | $2.1M | $0 |
| Q2 2025 | 68.77% | 94.71% | $1.8M | $0 |
| Q3 2025 | 69.71% | 94.66% | $1.2M | $0 |
| Q4 2025 | 72.10% | 95.05% | $1.2M | $0 |
| Q1 2026 | 71.92% | 95.61% | $1.8M | $0 |
| Q2 2026 | 71.01% | 95.65% | $1.8M | $0 |
First Southern National 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 National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2700) · FFIEC NIC profile (RSSD 702612)