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 Core deposits to total deposits: 16.48 percentage points higher than in Q1 2026, at 99.19%. On loan-to-deposit ratio, First State Bank is 6th from the bottom among 169 Oklahoma banks, 30.65% (Q2 2026). Against a median of 67.32% for banks in the < $100M asset tier, First State Bank reported 30.65% on loan-to-deposit ratio in Q2 2026, 36.67 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $40.8M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 2.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| 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 | 30.65% |
| Net loans and leases to deposits | 30.29% |
| Loans and leases to core deposits | 30.90% |
| Core deposits to total deposits | 99.19% |
| 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 | 36.66% | 95.00% | $0 | $0 |
| Q4 2023 | 38.50% | 91.74% | $0 | $0 |
| Q1 2024 | 35.33% | 89.39% | $0 | $0 |
| Q2 2024 | 30.83% | 99.54% | $0 | $0 |
| Q3 2024 | 40.84% | 89.86% | $337K | $0 |
| Q4 2024 | 40.84% | 90.77% | $0 | $0 |
| Q1 2025 | 36.85% | 83.85% | $0 | $0 |
| Q2 2025 | 30.38% | 100.00% | $0 | $0 |
| Q3 2025 | 37.07% | 81.51% | $0 | $0 |
| Q4 2025 | 36.87% | 83.05% | $0 | $0 |
| Q1 2026 | 38.38% | 82.71% | $0 | $0 |
| Q2 2026 | 30.65% | 99.19% | $0 | $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 9879) · FFIEC NIC profile (RSSD 99853)