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 Other borrowed money: 276.3% higher than in Q1 2026, at $5.1M. First State Bank ranks 51st of 138 Nebraska banks on loan-to-deposit ratio, in the upper half at 90.26% (Q2 2026). First State Bank reported 90.26% on loan-to-deposit ratio for Q2 2026, 9.71 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 | $4.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $43.4M |
| 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 | $5.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.19% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.26% |
| Net loans and leases to deposits | 89.20% |
| Loans and leases to core deposits | 95.80% |
| Core deposits to total deposits | 90.11% |
| Brokered deposits to total deposits | 5.52% |
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 | 83.85% | 81.70% | $0 | $10.8M |
| Q4 2023 | 82.28% | 79.50% | $0 | $6.5M |
| Q1 2024 | 83.40% | 86.82% | $0 | $2.4M |
| Q2 2024 | 85.45% | 86.89% | $0 | $7.3M |
| Q3 2024 | 87.17% | 87.31% | $0 | $9.8M |
| Q4 2024 | 82.70% | 82.61% | $0 | $1.9M |
| Q1 2025 | 84.73% | 90.95% | $0 | $1.4M |
| Q2 2025 | 87.23% | 92.05% | $0 | $6.0M |
| Q3 2025 | 91.19% | 84.54% | $0 | $14.0M |
| Q4 2025 | 83.57% | 85.30% | $0 | $1.4M |
| Q1 2026 | 87.62% | 89.92% | $0 | $1.4M |
| Q2 2026 | 90.26% | 90.11% | $0 | $5.1M |
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 16333) · FFIEC NIC profile (RSSD 172859)