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 72.0% in Q2 2026, from $1.5M to $2.5M. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, First State Bank sits 20th from the top on loan-to-deposit ratio, 99.20% as of Q2 2026. First State Bank reported 99.20% on loan-to-deposit ratio for Q2 2026, 11.00 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $208.5M |
| Fed funds sold and reverse repos | $2.5M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.4M |
| Other borrowed money | $45.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.94% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.20% |
| Net loans and leases to deposits | 98.06% |
| Loans and leases to core deposits | 112.20% |
| Core deposits to total deposits | 87.64% |
| Brokered deposits to total deposits | 0.77% |
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 | 104.48% | 90.05% | $24.4M | $137.0M |
| Q4 2023 | 102.85% | 84.24% | $22.5M | $116.0M |
| Q1 2024 | 100.35% | 83.24% | $21.1M | $74.5M |
| Q2 2024 | 101.37% | 83.05% | $24.1M | $68.7M |
| Q3 2024 | 101.27% | 84.13% | $27.8M | $74.9M |
| Q4 2024 | 100.80% | 85.80% | $22.7M | $67.9M |
| Q1 2025 | 98.02% | 86.81% | $22.3M | $32.9M |
| Q2 2025 | 102.49% | 86.27% | $26.2M | $86.9M |
| Q3 2025 | 104.69% | 86.21% | $25.6M | $121.9M |
| Q4 2025 | 101.76% | 85.42% | $23.1M | $77.9M |
| Q1 2026 | 100.14% | 88.07% | $21.8M | $55.9M |
| Q2 2026 | 99.20% | 87.64% | $21.4M | $45.9M |
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 15752) · FFIEC NIC profile (RSSD 887340)