The First State Bank of Ransom: 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: 6.39 percentage points higher than in Q1 2026, at 64.76%. Within Kansas, The First State Bank of Ransom is 150th of 182 on loan-to-deposit ratio, 57.02% as of Q2 2026, below the middle of the field. The First State Bank of Ransom reported 57.02% on loan-to-deposit ratio for Q2 2026, 10.90 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.7M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 3.63% |
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 | 57.02% |
| Net loans and leases to deposits | 55.95% |
| Loans and leases to core deposits | 64.76% |
| Core deposits to total deposits | 88.04% |
| Brokered deposits to total deposits | 6.89% |
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 | 46.73% | 85.60% | $0 | $0 |
| Q4 2023 | 41.94% | 85.89% | $0 | $0 |
| Q1 2024 | 43.00% | 88.28% | $0 | $0 |
| Q2 2024 | 48.74% | 87.48% | $0 | $0 |
| Q3 2024 | 46.89% | 87.61% | $0 | $0 |
| Q4 2024 | 46.57% | 90.63% | $0 | $0 |
| Q1 2025 | 46.25% | 90.89% | $0 | $0 |
| Q2 2025 | 54.78% | 89.62% | $0 | $0 |
| Q3 2025 | 51.78% | 88.99% | $0 | $0 |
| Q4 2025 | 52.95% | 87.12% | $0 | $0 |
| Q1 2026 | 51.73% | 88.63% | $0 | $0 |
| Q2 2026 | 57.02% | 88.04% | $0 | $0 |
The First State Bank of Ransom 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 Ransom, 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 Ransom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15469) · FFIEC NIC profile (RSSD 471057)