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 Cash and balances due from depository institutions: 23.1% higher than in Q1 2026, at $124.3M. Within Florida, First State Bank is 45th of 81 on loan-to-deposit ratio, 75.36% as of Q2 2026. First State Bank reported 75.36% on loan-to-deposit ratio for Q2 2026, 12.84 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 | $124.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $369.9M |
| 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 | $12.7M |
| 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 | 75.36% |
| Net loans and leases to deposits | 74.47% |
| Loans and leases to core deposits | 83.64% |
| Core deposits to total deposits | 90.10% |
| 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 | 84.36% | 94.19% | $22.8M | $70.3M |
| Q4 2023 | 83.38% | 92.89% | $21.1M | $52.5M |
| Q1 2024 | 75.77% | 92.60% | $16.9M | $51.0M |
| Q2 2024 | 79.47% | 91.36% | $22.9M | $51.0M |
| Q3 2024 | 82.50% | 90.85% | $14.6M | $23.9M |
| Q4 2024 | 83.20% | 89.92% | $15.0M | $23.6M |
| Q1 2025 | 76.84% | 90.63% | $11.8M | $0 |
| Q2 2025 | 79.32% | 90.28% | $15.5M | $0 |
| Q3 2025 | 78.29% | 90.17% | $14.4M | $0 |
| Q4 2025 | 82.26% | 89.93% | $13.6M | $0 |
| Q1 2026 | 77.32% | 90.31% | $13.7M | $0 |
| Q2 2026 | 75.36% | 90.10% | $12.7M | $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 17509) · FFIEC NIC profile (RSSD 191935)