The First State Bank of Malta: 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 Loans and leases to core deposits: 5.41 percentage points higher than in Q1 2026, at 46.26%. The First State Bank of Malta ranks 31st of 35 Montana banks on loan-to-deposit ratio, in the lower half at 41.73% (Q2 2026). The First State Bank of Malta reported 41.73% on loan-to-deposit ratio for Q2 2026, 39.11 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $118.8M |
| 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 | $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 | 41.73% |
| Net loans and leases to deposits | 40.56% |
| Loans and leases to core deposits | 46.26% |
| Core deposits to total deposits | 90.21% |
| 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 | 46.76% | 92.60% | $0 | $0 |
| Q4 2023 | 39.42% | 93.11% | $0 | $0 |
| Q1 2024 | 41.20% | 92.80% | $0 | $0 |
| Q2 2024 | 44.91% | 90.83% | $0 | $0 |
| Q3 2024 | 44.32% | 91.22% | $0 | $0 |
| Q4 2024 | 45.75% | 90.97% | $0 | $0 |
| Q1 2025 | 45.35% | 88.15% | $0 | $0 |
| Q2 2025 | 46.17% | 88.60% | $0 | $0 |
| Q3 2025 | 45.12% | 87.60% | $0 | $0 |
| Q4 2025 | 33.95% | 89.02% | $0 | $0 |
| Q1 2026 | 36.96% | 90.47% | $0 | $0 |
| Q2 2026 | 41.73% | 90.21% | $0 | $0 |
The First State Bank of Malta 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 Malta, 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 Malta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1982) · FFIEC NIC profile (RSSD 615253)