First State Bank of Forrest: 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.31 percentage points lower than in Q1 2026, at 85.49%. On loan-to-deposit ratio, First State Bank of Forrest ranks 22nd highest among the 323 banks headquartered in Illinois, at 98.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Forrest sits 17.68 points higher, at 98.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.6M |
| 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 | $0 |
| Other borrowed money | $18.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.48% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.52% |
| Net loans and leases to deposits | 97.59% |
| Loans and leases to core deposits | 110.33% |
| Core deposits to total deposits | 85.49% |
| Brokered deposits to total deposits | 3.81% |
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 | 102.83% | 89.04% | $0 | $20.0M |
| Q4 2023 | 99.05% | 87.93% | $0 | $20.0M |
| Q1 2024 | 103.14% | 88.01% | $0 | $20.0M |
| Q2 2024 | 103.15% | 88.47% | $0 | $24.0M |
| Q3 2024 | 103.79% | 88.45% | $0 | $24.0M |
| Q4 2024 | 103.11% | 88.17% | $0 | $24.0M |
| Q1 2025 | 103.27% | 89.04% | $0 | $24.0M |
| Q2 2025 | 104.90% | 86.38% | $0 | $27.0M |
| Q3 2025 | 104.31% | 87.06% | $0 | $27.0M |
| Q4 2025 | 102.42% | 87.54% | $0 | $23.0M |
| Q1 2026 | 99.77% | 86.80% | $0 | $20.0M |
| Q2 2026 | 98.52% | 85.49% | $0 | $18.0M |
First State Bank of Forrest 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 Forrest, 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 Forrest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11669) · FFIEC NIC profile (RSSD 980438)