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 dropped 70.0% in Q2 2026, from $14.4M to $4.3M. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 44th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 64.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 16.22 points lower, at 64.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $73.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $363.5M |
| Fed funds sold and reverse repos | $4.3M |
| Fed funds sold and reverse repos to assets | 0.45% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $25.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.33% |
| Net loans and leases to deposits | 63.76% |
| Loans and leases to core deposits | 74.31% |
| Core deposits to total deposits | 86.57% |
| 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 | 53.98% | 88.42% | $0 | $417K |
| Q4 2023 | 55.73% | 88.05% | $0 | $41.6M |
| Q1 2024 | 54.43% | 87.52% | $0 | $30.4M |
| Q2 2024 | 56.78% | 86.86% | $0 | $19.1M |
| Q3 2024 | 56.31% | 86.92% | $0 | $19.1M |
| Q4 2024 | 53.91% | 87.57% | $0 | $19.1M |
| Q1 2025 | 53.01% | 87.07% | $0 | $284K |
| Q2 2025 | 53.90% | 86.76% | $0 | $263K |
| Q3 2025 | 58.21% | 86.56% | $0 | $242K |
| Q4 2025 | 58.77% | 86.90% | $0 | $220K |
| Q1 2026 | 60.63% | 87.08% | $0 | $199K |
| Q2 2026 | 64.33% | 86.57% | $0 | $25.2M |
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 15663) · FFIEC NIC profile (RSSD 924236)