First State Bank of Dekalb County, Inc.: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
First State Bank of Dekalb County, Inc. reported a loan-to-deposit ratio of 69.58% as of Q2 2026, ranking #2,752 of 3,639 U.S. banks (24th percentile). That is up 3.75 percentage points from 65.83% a year earlier, and below the 79.18% median of the 1,873 Small Community Banks ($100M–$500M in assets). 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
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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.
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What is First State Bank of Dekalb County, Inc.'s Loan-to-Deposit Ratio?
First State Bank of Dekalb County, Inc.'s Loan-to-Deposit Ratio was 69.58% as of Q2 2026, ranking #2752 of 3,639 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 of Dekalb County, Inc. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First State Bank of Dekalb County, Inc. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 23815) · FFIEC NIC profile (RSSD 504535)