First State Bank of Forsyth: 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.
Loans and leases to core deposits climbed 6.59 percentage points in Q2 2026, from 62.00% to 68.59%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Forsyth ranks 25th of 35 Montana banks on loan-to-deposit ratio, in the lower half at 63.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Forsyth sits 17.16 points lower, at 63.68% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $72.2M |
| 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 | $6.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.68% |
| Net loans and leases to deposits | 62.26% |
| Loans and leases to core deposits | 68.59% |
| Core deposits to total deposits | 92.84% |
| 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 | 62.31% | 94.83% | $5.5M | $20.0M |
| Q4 2023 | 58.36% | 94.69% | $5.5M | $10.0M |
| Q1 2024 | 61.79% | 94.25% | $5.5M | $10.0M |
| Q2 2024 | 62.14% | 94.35% | $5.5M | $10.0M |
| Q3 2024 | 59.77% | 94.47% | $5.5M | $2.5M |
| Q4 2024 | 49.91% | 94.97% | $5.5M | $0 |
| Q1 2025 | 55.48% | 94.97% | $5.5M | $0 |
| Q2 2025 | 59.10% | 95.02% | $5.5M | $0 |
| Q3 2025 | 60.29% | 94.19% | $5.5M | $0 |
| Q4 2025 | 54.04% | 93.57% | $6.0M | $0 |
| Q1 2026 | 57.56% | 92.83% | $6.0M | $0 |
| Q2 2026 | 63.68% | 92.84% | $6.0M | $0 |
First State Bank of Forsyth 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 Forsyth, 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 Forsyth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8317) · FFIEC NIC profile (RSSD 597658)