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.
Core deposits to total deposits climbed 4.20 percentage points in Q2 2026, from 87.32% to 91.53%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First State Bank is 110th of 169 on loan-to-deposit ratio, 70.21% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. First State Bank sits 2.88 points higher, at 70.21% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.6M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 4.44% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $500K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.21% |
| Net loans and leases to deposits | 69.19% |
| Loans and leases to core deposits | 73.46% |
| Core deposits to total deposits | 91.53% |
| Brokered deposits to total deposits | 4.05% |
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 | 66.54% | 86.79% | $0 | $0 |
| Q4 2023 | 62.61% | 87.52% | $0 | $0 |
| Q1 2024 | 64.48% | 89.32% | $0 | $0 |
| Q2 2024 | 68.31% | 89.93% | $0 | $0 |
| Q3 2024 | 64.22% | 87.79% | $0 | $0 |
| Q4 2024 | 63.74% | 88.21% | $0 | $0 |
| Q1 2025 | 63.96% | 89.27% | $0 | $0 |
| Q2 2025 | 69.68% | 88.81% | $0 | $1.0M |
| Q3 2025 | 66.30% | 90.70% | $0 | $0 |
| Q4 2025 | 70.75% | 89.66% | $0 | $2.0M |
| Q1 2026 | 70.25% | 87.32% | $0 | $500K |
| Q2 2026 | 70.21% | 91.53% | $0 | $500K |
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 22448) · FFIEC NIC profile (RSSD 522454)