The First State Bank of Healy: 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 11.92 percentage points in Q2 2026, from 76.89% to 88.81%. It was the largest change from Q1 2026 among the key lines here. The First State Bank of Healy ranks 87th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 76.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First State Bank of Healy sits 4.21 points lower, at 76.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $646K |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.5M |
| 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 | $1.7M |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.22% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.74% |
| Net loans and leases to deposits | 75.42% |
| Loans and leases to core deposits | 88.81% |
| Core deposits to total deposits | 71.84% |
| Brokered deposits to total deposits | 14.56% |
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 | 81.47% | 78.80% | $0 | $10.8M |
| Q4 2023 | 70.51% | 77.96% | $0 | $4.5M |
| Q1 2024 | 76.51% | 73.73% | $3.0M | $6.0M |
| Q2 2024 | 80.05% | 69.67% | $2.4M | $8.5M |
| Q3 2024 | 80.70% | 64.13% | $3.4M | $7.5M |
| Q4 2024 | 76.43% | 67.59% | $475K | $3.5M |
| Q1 2025 | 81.34% | 65.18% | $1.6M | $6.5M |
| Q2 2025 | 81.79% | 63.21% | $0 | $9.6M |
| Q3 2025 | 77.73% | 63.44% | $2.5M | $3.5M |
| Q4 2025 | 70.97% | 67.68% | $0 | $3.5M |
| Q1 2026 | 68.31% | 70.39% | $0 | $3.5M |
| Q2 2026 | 76.74% | 71.84% | $1.7M | $3.5M |
The First State Bank of Healy liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Healy, 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 The First State Bank of Healy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17661) · FFIEC NIC profile (RSSD 864855)