The First State Bank of Shelby: 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.
Cash and balances due from depository institutions climbed 12.9% in Q2 2026, from $17.2M to $19.4M. It was the largest change from Q1 2026 among the key lines here. The First State Bank of Shelby has the 2nd lowest loan-to-deposit ratio of the 35 banks headquartered in Montana, at 16.54% as of Q2 2026. Against a median of 80.94% for banks in the $100M-1B asset tier, The First State Bank of Shelby reported 16.54% on loan-to-deposit ratio in Q2 2026, 64.40 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $146.6M |
| 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 | 16.54% |
| Net loans and leases to deposits | 16.52% |
| Loans and leases to core deposits | 18.80% |
| Core deposits to total deposits | 87.99% |
| 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 | 20.52% | 94.17% | $0 | $22.5M |
| Q4 2023 | 19.43% | 93.63% | $0 | $20.0M |
| Q1 2024 | 18.87% | 92.69% | $0 | $18.5M |
| Q2 2024 | 21.15% | 87.44% | $0 | $7.5M |
| Q3 2024 | 22.29% | 85.58% | $0 | $5.5M |
| Q4 2024 | 18.82% | 86.23% | $0 | $0 |
| Q1 2025 | 16.47% | 85.42% | $0 | $0 |
| Q2 2025 | 18.32% | 83.60% | $0 | $0 |
| Q3 2025 | 18.55% | 83.97% | $0 | $0 |
| Q4 2025 | 18.06% | 85.47% | $0 | $0 |
| Q1 2026 | 15.90% | 88.21% | $0 | $0 |
| Q2 2026 | 16.54% | 87.99% | $0 | $0 |
The First State Bank of Shelby 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 Shelby, 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 Shelby profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11013) · FFIEC NIC profile (RSSD 686758)