First 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.
Loans and leases to core deposits dropped 1.24 percentage points in Q2 2026, from 96.46% to 95.22%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 49th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 82.13% (Q2 2026). At 82.13%, First State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.8M |
| 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 | 82.13% |
| Net loans and leases to deposits | 80.91% |
| Loans and leases to core deposits | 95.22% |
| Core deposits to total deposits | 86.26% |
| 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 | 79.33% | 86.58% | $0 | $0 |
| Q4 2023 | 81.67% | 85.63% | $0 | $0 |
| Q1 2024 | 81.69% | 84.87% | $0 | $0 |
| Q2 2024 | 83.52% | 84.96% | $0 | $0 |
| Q3 2024 | 83.83% | 85.16% | $0 | $5.0M |
| Q4 2024 | 81.98% | 85.37% | $0 | $0 |
| Q1 2025 | 83.66% | 84.71% | $0 | $0 |
| Q2 2025 | 82.43% | 85.12% | $0 | $0 |
| Q3 2025 | 83.18% | 84.16% | $0 | $300K |
| Q4 2025 | 83.10% | 87.01% | $0 | $2.0M |
| Q1 2026 | 83.22% | 86.27% | $0 | $2.7M |
| Q2 2026 | 82.13% | 86.26% | $0 | $0 |
First 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15050) · FFIEC NIC profile (RSSD 10849)