First State Bank of Middlebury: 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 Other borrowed money: 31.6% higher than in Q1 2026, at $73.0M. Among 87 Indiana banks, First State Bank of Middlebury sits 8th from the top on loan-to-deposit ratio, 101.16% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First State Bank of Middlebury sits 20.21 points higher, at 101.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $15.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $142.6M |
| Fed funds sold and reverse repos | $1.3M |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $3.6M |
| Other borrowed money | $73.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.73% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.16% |
| Net loans and leases to deposits | 99.49% |
| Loans and leases to core deposits | 110.39% |
| Core deposits to total deposits | 91.53% |
| Brokered deposits to total deposits | 1.65% |
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 | 91.52% | 91.30% | $7.0M | $60.6M |
| Q4 2023 | 96.47% | 91.43% | $14.0M | $78.6M |
| Q1 2024 | 95.86% | 91.35% | $3.7M | $70.1M |
| Q2 2024 | 97.98% | 90.42% | $4.0M | $80.1M |
| Q3 2024 | 96.00% | 90.63% | $3.9M | $69.1M |
| Q4 2024 | 98.27% | 90.06% | $12.8M | $62.0M |
| Q1 2025 | 95.01% | 90.67% | $5.4M | $48.5M |
| Q2 2025 | 94.65% | 90.56% | $6.1M | $39.5M |
| Q3 2025 | 96.79% | 90.05% | $5.8M | $51.0M |
| Q4 2025 | 98.32% | 90.41% | $9.5M | $46.0M |
| Q1 2026 | 98.66% | 90.71% | $3.7M | $55.5M |
| Q2 2026 | 101.16% | 91.53% | $3.6M | $73.0M |
First State Bank of Middlebury 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 Middlebury, 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 Middlebury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8745) · FFIEC NIC profile (RSSD 967046)