First State Bank and Trust: 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 45.9% in Q2 2026, from $2.8M to $1.5M. It was the largest change from Q1 2026 among the key lines here. First State Bank and Trust ranks 147th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 72.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank and Trust sits 8.41 points lower, at 72.42% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $62.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $148.6M |
| Fed funds sold and reverse repos | $1.5M |
| Fed funds sold and reverse repos to assets | 0.30% |
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 | 72.42% |
| Net loans and leases to deposits | 71.56% |
| Loans and leases to core deposits | 81.14% |
| Core deposits to total deposits | 88.16% |
| Brokered deposits to total deposits | 1.10% |
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 | 72.39% | 92.16% | $0 | $0 |
| Q4 2023 | 72.56% | 92.37% | $0 | $0 |
| Q1 2024 | 75.00% | 92.08% | $0 | $0 |
| Q2 2024 | 79.97% | 90.74% | $0 | $0 |
| Q3 2024 | 77.27% | 91.27% | $0 | $0 |
| Q4 2024 | 74.04% | 90.51% | $0 | $0 |
| Q1 2025 | 80.99% | 89.13% | $0 | $0 |
| Q2 2025 | 86.63% | 88.32% | $0 | $15.0M |
| Q3 2025 | 79.67% | 86.71% | $0 | $0 |
| Q4 2025 | 70.26% | 86.90% | $0 | $0 |
| Q1 2026 | 72.36% | 87.16% | $0 | $0 |
| Q2 2026 | 72.42% | 88.16% | $0 | $0 |
First State Bank and Trust 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 and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10159) · FFIEC NIC profile (RSSD 144856)