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 climbed 58.2% in Q2 2026, from $11.7M to $18.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First State Bank is 21st from the bottom among 225 Iowa banks, 53.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 27.42 points lower, at 53.14% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $74.1M |
| Fed funds sold and reverse repos | $2.8M |
| Fed funds sold and reverse repos to assets | 1.95% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.8M |
| 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 | 53.14% |
| Net loans and leases to deposits | 52.58% |
| Loans and leases to core deposits | 68.00% |
| Core deposits to total deposits | 78.15% |
| 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 | 51.38% | 86.48% | $8.6M | $12.0M |
| Q4 2023 | 55.45% | 86.87% | $10.7M | $9.5M |
| Q1 2024 | 50.63% | 84.68% | $8.9M | $6.0M |
| Q2 2024 | 53.87% | 84.62% | $13.5M | $1.8M |
| Q3 2024 | 56.25% | 84.20% | $16.3M | $0 |
| Q4 2024 | 56.74% | 85.05% | $14.4M | $0 |
| Q1 2025 | 56.67% | 84.10% | $13.9M | $0 |
| Q2 2025 | 59.43% | 83.53% | $18.1M | $0 |
| Q3 2025 | 61.45% | 83.57% | $19.9M | $0 |
| Q4 2025 | 58.73% | 85.49% | $20.1M | $0 |
| Q1 2026 | 55.00% | 77.75% | $6.0M | $0 |
| Q2 2026 | 53.14% | 78.15% | $7.8M | $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 5791) · FFIEC NIC profile (RSSD 854847)