First State Bank of Olmsted: 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.
Fed funds sold and reverse repos climbed 21.8% in Q2 2026, from $1.3M to $1.6M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First State Bank of Olmsted is 163rd of 323 on loan-to-deposit ratio, 75.35% as of Q2 2026, below the middle of the field. First State Bank of Olmsted reported 75.35% on loan-to-deposit ratio for Q2 2026, 7.73 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.8M |
| Fed funds sold and reverse repos | $1.6M |
| Fed funds sold and reverse repos to assets | 2.04% |
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 | 75.35% |
| Net loans and leases to deposits | 74.67% |
| Loans and leases to core deposits | 81.11% |
| Core deposits to total deposits | 92.90% |
| 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 | 66.40% | 96.50% | $0 | $0 |
| Q4 2023 | 67.49% | 96.13% | $0 | $0 |
| Q1 2024 | 65.85% | 96.26% | $0 | $0 |
| Q2 2024 | 67.63% | 95.12% | $0 | $0 |
| Q3 2024 | 64.18% | 95.16% | $0 | $0 |
| Q4 2024 | 62.61% | 95.10% | $0 | $0 |
| Q1 2025 | 64.38% | 95.13% | $0 | $0 |
| Q2 2025 | 68.02% | 94.89% | $0 | $0 |
| Q3 2025 | 70.06% | 93.85% | $0 | $0 |
| Q4 2025 | 71.43% | 93.91% | $0 | $0 |
| Q1 2026 | 75.00% | 93.61% | $0 | $0 |
| Q2 2026 | 75.35% | 92.90% | $0 | $0 |
First State Bank of Olmsted 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 Olmsted, 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 Olmsted profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10437) · FFIEC NIC profile (RSSD 413347)