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 dropped 41.7% in Q2 2026, from $16.2M to $9.5M. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, First State Bank is 78th of 153 on loan-to-deposit ratio, 87.99% 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 sits 7.43 points higher, at 87.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $130.1M |
| 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 | $3.6M |
| Other borrowed money | $51.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.99% |
| Net loans and leases to deposits | 87.10% |
| Loans and leases to core deposits | 91.08% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 3.33% |
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 | 75.91% | 95.07% | $0 | $43.0M |
| Q4 2023 | 74.77% | 93.25% | $1.5M | $39.2M |
| Q1 2024 | 73.68% | 90.75% | $0 | $39.0M |
| Q2 2024 | 74.53% | 93.56% | $0 | $32.0M |
| Q3 2024 | 74.39% | 92.00% | $0 | $32.0M |
| Q4 2024 | 75.01% | 94.42% | $0 | $40.1M |
| Q1 2025 | 74.21% | 95.85% | $0 | $30.1M |
| Q2 2025 | 77.15% | 95.59% | $0 | $38.1M |
| Q3 2025 | 80.88% | 95.65% | $829K | $36.1M |
| Q4 2025 | 83.86% | 93.03% | $0 | $55.9M |
| Q1 2026 | 84.63% | 93.33% | $0 | $45.9M |
| Q2 2026 | 87.99% | 93.28% | $3.6M | $51.9M |
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 15271) · FFIEC NIC profile (RSSD 801047)