First Southern State 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 fell 7.5% from Q1 2026 to Q2 2026, ending at $57.2M against $61.8M. It was the largest change among the key lines on this page. Within Alabama, First Southern State Bank is 59th of 93 on loan-to-deposit ratio, 62.08% as of Q2 2026, below the middle of the field. First Southern State Bank reported 62.08% on loan-to-deposit ratio for Q2 2026, 18.76 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $57.2M |
| Cash and noninterest-bearing balances to assets | 6.40% |
| Cash and securities | $346.3M |
| 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 | $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 | 62.08% |
| Net loans and leases to deposits | 61.33% |
| Loans and leases to core deposits | 76.21% |
| Core deposits to total deposits | 81.45% |
| 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 | 60.48% | 86.48% | $0 | $0 |
| Q4 2023 | 61.77% | 84.74% | $0 | $0 |
| Q1 2024 | 61.62% | 84.35% | $0 | $0 |
| Q2 2024 | 60.96% | 82.74% | $0 | $0 |
| Q3 2024 | 61.61% | 82.03% | $0 | $0 |
| Q4 2024 | 60.84% | 80.70% | $0 | $0 |
| Q1 2025 | 60.99% | 81.89% | $0 | $0 |
| Q2 2025 | 60.69% | 81.04% | $0 | $0 |
| Q3 2025 | 61.12% | 81.10% | $0 | $0 |
| Q4 2025 | 61.13% | 81.03% | $0 | $0 |
| Q1 2026 | 62.32% | 81.13% | $0 | $0 |
| Q2 2026 | 62.08% | 81.45% | $0 | $0 |
First Southern State 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 State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2829) · FFIEC NIC profile (RSSD 246134)