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.
Other borrowed money climbed 2441.2% in Q2 2026, from $1.1M to $27.1M. It was the largest change from Q1 2026 among the key lines here. First State Bank has the 10th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 52.30% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First State Bank sits 35.90 points lower, at 52.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $96.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $619.6M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 0.15% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $27.1M |
| 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 | 52.30% |
| Net loans and leases to deposits | 51.55% |
| Loans and leases to core deposits | 54.13% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 8.96% |
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 | 54.61% | 91.56% | $0 | $20.1M |
| Q4 2023 | 53.33% | 87.85% | $0 | $30.1M |
| Q1 2024 | 51.64% | 88.48% | $0 | $10.1M |
| Q2 2024 | 48.82% | 90.92% | $0 | $133K |
| Q3 2024 | 51.96% | 90.74% | $0 | $10.1M |
| Q4 2024 | 54.61% | 93.71% | $0 | $129K |
| Q1 2025 | 54.80% | 93.74% | $0 | $126K |
| Q2 2025 | 51.54% | 88.31% | $0 | $124K |
| Q3 2025 | 53.83% | 89.33% | $0 | $122K |
| Q4 2025 | 54.25% | 89.42% | $0 | $1.1M |
| Q1 2026 | 53.00% | 89.89% | $0 | $1.1M |
| Q2 2026 | 52.30% | 87.66% | $0 | $27.1M |
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 9437) · FFIEC NIC profile (RSSD 294023)