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 Cash and balances due from depository institutions: 81.3% higher than in Q1 2026, at $74.9M. Within Iowa, First State Bank is 87th of 225 on loan-to-deposit ratio, 87.42% as of Q2 2026. First State Bank reported 87.42% on loan-to-deposit ratio for Q2 2026, 6.87 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $74.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.3M |
| 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 | $1.7M |
| Other borrowed money | $17.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.42% |
| Net loans and leases to deposits | 86.49% |
| Loans and leases to core deposits | 98.95% |
| Core deposits to total deposits | 86.25% |
| Brokered deposits to total deposits | 2.10% |
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 | 91.14% | 89.36% | $2.8M | $20.8M |
| Q4 2023 | 98.26% | 88.14% | $3.4M | $55.6M |
| Q1 2024 | 93.54% | 86.24% | $3.1M | $20.5M |
| Q2 2024 | 96.48% | 85.97% | $1.7M | $20.3M |
| Q3 2024 | 93.71% | 87.08% | $1.6M | $20.2M |
| Q4 2024 | 99.21% | 85.72% | $3.1M | $19.0M |
| Q1 2025 | 97.03% | 85.98% | $1.3M | $18.9M |
| Q2 2025 | 93.42% | 84.18% | $1.5M | $18.7M |
| Q3 2025 | 88.29% | 85.27% | $1.7M | $17.6M |
| Q4 2025 | 94.15% | 84.91% | $1.8M | $17.4M |
| Q1 2026 | 92.49% | 84.96% | $1.7M | $17.3M |
| Q2 2026 | 87.42% | 86.25% | $1.7M | $17.2M |
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 15321) · FFIEC NIC profile (RSSD 561145)