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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 0.83 percentage points higher than in Q1 2026, at 104.14%. First State Bank ranks 44th of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 84.10% (Q2 2026). First State Bank reported 84.10% on loan-to-deposit ratio for Q2 2026, 3.55 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $48.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $139.9M |
| 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 | $4.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.64% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.10% |
| Net loans and leases to deposits | 83.15% |
| Loans and leases to core deposits | 104.14% |
| Core deposits to total deposits | 80.76% |
| 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 | 81.09% | 80.50% | $0 | $13.1M |
| Q4 2023 | 77.02% | 80.85% | $0 | $10.7M |
| Q1 2024 | 81.77% | 79.97% | $0 | $7.5M |
| Q2 2024 | 82.27% | 80.34% | $0 | $11.4M |
| Q3 2024 | 82.25% | 80.72% | $0 | $9.3M |
| Q4 2024 | 77.47% | 82.20% | $0 | $8.2M |
| Q1 2025 | 76.78% | 82.65% | $0 | $8.0M |
| Q2 2025 | 77.35% | 80.82% | $0 | $6.9M |
| Q3 2025 | 80.95% | 80.11% | $0 | $4.8M |
| Q4 2025 | 80.93% | 80.73% | $0 | $4.5M |
| Q1 2026 | 83.62% | 80.95% | $0 | $4.3M |
| Q2 2026 | 84.10% | 80.76% | $0 | $4.2M |
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 13632) · FFIEC NIC profile (RSSD 114840)