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.
Fed funds sold and reverse repos dropped 72.2% in Q2 2026, from $2.7M to $744K. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First State Bank is 73rd of 225 on loan-to-deposit ratio, 90.38% as of Q2 2026. First State Bank reported 90.38% on loan-to-deposit ratio for Q2 2026, 23.05 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 | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.7M |
| Fed funds sold and reverse repos | $744K |
| Fed funds sold and reverse repos to assets | 1.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.0M |
| Other borrowed money | $1.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.38% |
| Net loans and leases to deposits | 89.52% |
| Loans and leases to core deposits | 104.91% |
| Core deposits to total deposits | 86.15% |
| 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 | 90.87% | 91.65% | $3.0M | $3.7M |
| Q4 2023 | 89.74% | 91.13% | $2.2M | $3.6M |
| Q1 2024 | 87.86% | 87.99% | $1.2M | $2.3M |
| Q2 2024 | 91.96% | 89.69% | $2.6M | $2.2M |
| Q3 2024 | 92.88% | 88.41% | $3.1M | $2.2M |
| Q4 2024 | 85.17% | 86.00% | $1.1M | $2.1M |
| Q1 2025 | 93.46% | 87.86% | $1.3M | $2.0M |
| Q2 2025 | 90.03% | 88.33% | $944K | $1.9M |
| Q3 2025 | 95.58% | 87.69% | $2.1M | $1.8M |
| Q4 2025 | 95.95% | 87.96% | $3.1M | $1.8M |
| Q1 2026 | 89.96% | 84.36% | $1.2M | $1.7M |
| Q2 2026 | 90.38% | 86.15% | $1.0M | $1.6M |
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 57910) · FFIEC NIC profile (RSSD 3285246)