First State Bank of Bigfork: 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.
Cash and balances due from depository institutions dropped 14.7% in Q2 2026, from $22.0M to $18.8M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, First State Bank of Bigfork is 115th of 221 on loan-to-deposit ratio, 79.92% as of Q2 2026, below the middle of the field. At 79.92%, First State Bank of Bigfork's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.8M |
| Fed funds sold and reverse repos | $16K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.55% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.92% |
| Net loans and leases to deposits | 78.80% |
| Loans and leases to core deposits | 85.91% |
| Core deposits to total deposits | 93.03% |
| 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 | 90.26% | 93.47% | $0 | $3.5M |
| Q4 2023 | 92.30% | 93.41% | $10K | $3.3M |
| Q1 2024 | 88.85% | 93.58% | $0 | $3.2M |
| Q2 2024 | 94.15% | 93.11% | $0 | $3.0M |
| Q3 2024 | 94.21% | 92.32% | $0 | $2.9M |
| Q4 2024 | 91.65% | 92.23% | $0 | $2.7M |
| Q1 2025 | 86.66% | 92.40% | $0 | $2.6M |
| Q2 2025 | 87.91% | 92.49% | $0 | $2.4M |
| Q3 2025 | 86.82% | 92.50% | $13K | $2.3M |
| Q4 2025 | 83.91% | 92.62% | $0 | $2.1M |
| Q1 2026 | 78.62% | 92.86% | $0 | $2.0M |
| Q2 2026 | 79.92% | 93.03% | $0 | $1.8M |
First State Bank of Bigfork 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 of Bigfork, 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 of Bigfork profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10991) · FFIEC NIC profile (RSSD 364850)