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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 8.42 percentage points higher than in Q1 2026, at 116.28%. Among 60 North Dakota banks, First State Bank sits 6th from the top on loan-to-deposit ratio, 105.62% as of Q2 2026. First State Bank reported 105.62% on loan-to-deposit ratio for Q2 2026, 25.06 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.2M |
| Cash and noninterest-bearing balances to assets | 1.71% |
| Cash and securities | $25.6M |
| 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 | $0 |
| Other borrowed money | $6.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.62% |
| Net loans and leases to deposits | 104.37% |
| Loans and leases to core deposits | 116.28% |
| Core deposits to total deposits | 90.83% |
| 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 | 110.32% | 88.26% | $0 | $40.1M |
| Q4 2023 | 105.84% | 90.57% | $0 | $21.0M |
| Q1 2024 | 104.89% | 88.19% | $0 | $20.4M |
| Q2 2024 | 108.94% | 86.60% | $250K | $21.3M |
| Q3 2024 | 108.05% | 86.10% | $0 | $21.4M |
| Q4 2024 | 104.64% | 86.49% | $0 | $8.2M |
| Q1 2025 | 89.89% | 86.71% | $0 | $7.1M |
| Q2 2025 | 102.95% | 88.14% | $0 | $2.4M |
| Q3 2025 | 109.38% | 89.09% | $0 | $19.5M |
| Q4 2025 | 100.66% | 90.50% | $0 | $0 |
| Q1 2026 | 97.75% | 90.64% | $0 | $0 |
| Q2 2026 | 105.62% | 90.83% | $0 | $6.5M |
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 15539) · FFIEC NIC profile (RSSD 917050)