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 rose 6.7% from Q1 2026 to Q2 2026, ending at $30.7M against $28.8M. It was the largest change among the key lines on this page. First State Bank has the 2nd lowest loan-to-deposit ratio of the 29 banks headquartered in New Mexico, at 7.28% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, First State Bank reported 7.28% on loan-to-deposit ratio in Q2 2026, 73.27 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $173.6M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 7.28% |
| Net loans and leases to deposits | 6.52% |
| Loans and leases to core deposits | 7.57% |
| Core deposits to total deposits | 96.16% |
| 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 | 7.11% | 94.65% | $0 | $0 |
| Q4 2023 | 6.31% | 95.31% | $0 | $0 |
| Q1 2024 | 6.91% | 95.58% | $0 | $0 |
| Q2 2024 | 7.05% | 95.38% | $0 | $0 |
| Q3 2024 | 7.09% | 95.36% | $0 | $0 |
| Q4 2024 | 6.83% | 95.29% | $0 | $0 |
| Q1 2025 | 6.92% | 94.94% | $0 | $0 |
| Q2 2025 | 6.66% | 95.18% | $0 | $0 |
| Q3 2025 | 7.48% | 95.92% | $0 | $0 |
| Q4 2025 | 6.26% | 96.64% | $0 | $0 |
| Q1 2026 | 7.42% | 96.14% | $0 | $0 |
| Q2 2026 | 7.28% | 96.16% | $0 | $0 |
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 16600) · FFIEC NIC profile (RSSD 497655)