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 noninterest-bearing balances to assets dropped 5.86 percentage points in Q2 2026, from 15.16% to 9.29%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, First State Bank is 65th of 120 on loan-to-deposit ratio, 81.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; First State Bank reported 81.42% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.3M |
| Cash and noninterest-bearing balances to assets | 9.29% |
| Cash and securities | $97.3M |
| Fed funds sold and reverse repos | $2.0M |
| Fed funds sold and reverse repos to assets | 0.50% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.58% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.42% |
| Net loans and leases to deposits | 81.21% |
| Loans and leases to core deposits | 85.46% |
| Core deposits to total deposits | 87.59% |
| Brokered deposits to total deposits | 7.69% |
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 | 77.07% | 92.71% | $0 | $808K |
| Q4 2023 | 78.09% | 92.98% | $0 | $764K |
| Q1 2024 | 78.99% | 92.23% | $0 | $2.7M |
| Q2 2024 | 84.69% | 88.99% | $0 | $11.2M |
| Q3 2024 | 91.79% | 88.96% | $8.0M | $7.6M |
| Q4 2024 | 89.47% | 85.42% | $0 | $7.6M |
| Q1 2025 | 91.01% | 86.57% | $0 | $7.5M |
| Q2 2025 | 91.23% | 87.59% | $2.6M | $7.5M |
| Q3 2025 | 90.99% | 84.93% | $0 | $7.5M |
| Q4 2025 | 90.38% | 87.24% | $0 | $7.4M |
| Q1 2026 | 78.59% | 86.95% | $0 | $2.4M |
| Q2 2026 | 81.42% | 87.59% | $0 | $2.3M |
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 12149) · FFIEC NIC profile (RSSD 565143)