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: 3.69 percentage points higher than in Q1 2026, at 85.29%. Within Nebraska, First State Bank is 105th of 138 on loan-to-deposit ratio, 76.06% as of Q2 2026. First State Bank reported 76.06% on loan-to-deposit ratio for Q2 2026, 8.74 points above the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $16.1M |
| 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 | $1.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.06% |
| Net loans and leases to deposits | 74.54% |
| Loans and leases to core deposits | 85.29% |
| Core deposits to total deposits | 89.18% |
| 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 | 78.36% | 91.85% | $0 | $2.1M |
| Q4 2023 | 78.44% | 92.42% | $0 | $2.5M |
| Q1 2024 | 68.72% | 90.01% | $0 | $445K |
| Q2 2024 | 70.65% | 91.72% | $0 | $978K |
| Q3 2024 | 76.22% | 91.23% | $0 | $1.5M |
| Q4 2024 | 72.67% | 91.19% | $0 | $1.2M |
| Q1 2025 | 70.38% | 93.16% | $0 | $1.2M |
| Q2 2025 | 75.64% | 92.22% | $0 | $1.5M |
| Q3 2025 | 87.02% | 91.15% | $0 | $1.6M |
| Q4 2025 | 79.45% | 91.75% | $0 | $1.0M |
| Q1 2026 | 74.58% | 91.41% | $0 | $1.1M |
| Q2 2026 | 76.06% | 89.18% | $0 | $1.1M |
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 8604) · FFIEC NIC profile (RSSD 284958)