First State Bank and Trust Company, Inc.: 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 purchased and repos dropped 40.0% in Q2 2026, from $16.4M to $9.8M. It was the largest change from Q1 2026 among the key lines here. First State Bank and Trust Company, Inc. ranks 85th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 87.29% (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 Company, Inc. sits 6.45 points higher, at 87.29% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $134.3M |
| 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 | $9.8M |
| Other borrowed money | $11.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.79% |
| Trading liabilities | $127K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.29% |
| Net loans and leases to deposits | 86.10% |
| Loans and leases to core deposits | 93.57% |
| Core deposits to total deposits | 80.04% |
| Brokered deposits to total deposits | 13.24% |
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 | 83.18% | 88.45% | $0 | $28.4M |
| Q4 2023 | 82.23% | 87.31% | $0 | $28.2M |
| Q1 2024 | 85.68% | 88.47% | $1.8M | $28.1M |
| Q2 2024 | 85.52% | 85.52% | $1.0M | $22.8M |
| Q3 2024 | 88.31% | 84.47% | $16.3M | $22.8M |
| Q4 2024 | 84.44% | 85.27% | $0 | $22.8M |
| Q1 2025 | 84.48% | 84.04% | $55K | $10.0M |
| Q2 2025 | 84.32% | 82.39% | $5.5M | $10.0M |
| Q3 2025 | 83.31% | 80.22% | $0 | $11.8M |
| Q4 2025 | 82.98% | 82.60% | $0 | $11.8M |
| Q1 2026 | 86.41% | 81.74% | $16.4M | $11.8M |
| Q2 2026 | 87.29% | 80.04% | $9.8M | $11.8M |
First State Bank and Trust Company, Inc. 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 Company, Inc., 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 Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14185) · FFIEC NIC profile (RSSD 489548)