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.
Fed funds sold and reverse repos climbed 156.9% in Q2 2026, from $2.2M to $5.6M. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First State Bank is 199th of 225 on loan-to-deposit ratio, 55.32% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank sits 25.52 points lower, at 55.32% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $65.8M |
| Fed funds sold and reverse repos | $5.6M |
| Fed funds sold and reverse repos to assets | 4.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $2.0M |
| 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 | 55.32% |
| Net loans and leases to deposits | 54.63% |
| Loans and leases to core deposits | 65.36% |
| Core deposits to total deposits | 84.63% |
| 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 | 62.91% | 93.26% | $3.6M | $0 |
| Q4 2023 | 63.41% | 91.34% | $1.6M | $0 |
| Q1 2024 | 65.53% | 91.42% | $1.5M | $2.2M |
| Q2 2024 | 63.27% | 90.77% | $1.1M | $1.5M |
| Q3 2024 | 63.69% | 86.64% | $907K | $0 |
| Q4 2024 | 66.93% | 84.18% | $1.5M | $0 |
| Q1 2025 | 64.29% | 88.95% | $2.9M | $0 |
| Q2 2025 | 56.84% | 88.51% | $2.9M | $0 |
| Q3 2025 | 59.48% | 88.35% | $3.2M | $0 |
| Q4 2025 | 57.10% | 83.64% | $3.0M | $0 |
| Q1 2026 | 59.23% | 83.26% | $3.1M | $0 |
| Q2 2026 | 55.32% | 84.63% | $2.0M | $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 8522) · FFIEC NIC profile (RSSD 795249)