First State Bank and Trust Company, Inc.: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank and Trust Company, Inc. reported a loan-to-deposit ratio of 87.29% as of Q2 2026, ranking #1,448 of 3,651 U.S. banks (60th percentile). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
12-Quarter Trend
National Context
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
Full definition & formula →Frequently asked questions
What is First State Bank and Trust Company, Inc.'s Loan-to-Deposit Ratio?
First State Bank and Trust Company, Inc.'s Loan-to-Deposit Ratio was 87.29% as of Q2 2026, ranking #1448 of 3,651 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More First State Bank and Trust Company, Inc. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank and Trust Company, Inc. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 14185) · FFIEC NIC profile (RSSD 489548)