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 Core deposits to total deposits: 4.75 percentage points higher than in Q1 2026, at 74.05%. Within Nebraska, First State Bank is 86th of 138 on loan-to-deposit ratio, 81.19% as of Q2 2026. At 81.19%, First State Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $70.8M |
| Fed funds sold and reverse repos | $20.8M |
| Fed funds sold and reverse repos to assets | 10.40% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $53.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 26.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.19% |
| Net loans and leases to deposits | 79.89% |
| Loans and leases to core deposits | 109.04% |
| Core deposits to total deposits | 74.05% |
| Brokered deposits to total deposits | 19.72% |
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 | 94.09% | 74.21% | $0 | $55.8M |
| Q4 2023 | 117.90% | 85.06% | $0 | $59.3M |
| Q1 2024 | 111.41% | 88.50% | $0 | $52.3M |
| Q2 2024 | 114.42% | 89.23% | $0 | $53.2M |
| Q3 2024 | 86.77% | 70.04% | $0 | $33.0M |
| Q4 2024 | 85.99% | 77.74% | $0 | $43.9M |
| Q1 2025 | 78.41% | 79.99% | $0 | $44.4M |
| Q2 2025 | 93.29% | 77.24% | $0 | $56.1M |
| Q3 2025 | 95.23% | 80.35% | $0 | $59.3M |
| Q4 2025 | 82.03% | 81.54% | $0 | $54.0M |
| Q1 2026 | 77.90% | 69.31% | $0 | $51.5M |
| Q2 2026 | 81.19% | 74.05% | $0 | $53.7M |
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 12244) · FFIEC NIC profile (RSSD 488756)