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.
Cash and balances due from depository institutions climbed 11.5% in Q2 2026, from $25.5M to $28.4M. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 16th of 122 Georgia banks on loan-to-deposit ratio, in the upper half at 94.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 14.19 points higher, at 94.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $78.5M |
| Fed funds sold and reverse repos | $355K |
| Fed funds sold and reverse repos to assets | 0.07% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $14.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.74% |
| Net loans and leases to deposits | 93.45% |
| Loans and leases to core deposits | 101.87% |
| Core deposits to total deposits | 84.26% |
| Brokered deposits to total deposits | 8.74% |
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 | 88.70% | 94.39% | $0 | $15.0M |
| Q4 2023 | 88.08% | 94.78% | $0 | $15.0M |
| Q1 2024 | 88.93% | 94.37% | $0 | $17.0M |
| Q2 2024 | 90.02% | 90.43% | $0 | $15.0M |
| Q3 2024 | 86.03% | 87.37% | $0 | $15.0M |
| Q4 2024 | 88.51% | 87.25% | $0 | $12.5M |
| Q1 2025 | 91.82% | 87.16% | $0 | $12.5M |
| Q2 2025 | 96.98% | 86.74% | $9.6M | $16.5M |
| Q3 2025 | 96.23% | 82.84% | $0 | $19.5M |
| Q4 2025 | 92.54% | 83.55% | $0 | $14.0M |
| Q1 2026 | 94.33% | 84.34% | $0 | $14.0M |
| Q2 2026 | 94.74% | 84.26% | $0 | $14.0M |
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 19163) · FFIEC NIC profile (RSSD 36933)