First State Bank of St. Charles, Missouri: 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: 2.08 percentage points higher than in Q1 2026, at 118.05%. Among 192 Missouri banks, First State Bank of St. Charles, Missouri sits 9th from the top on loan-to-deposit ratio, 107.67% as of Q2 2026. First State Bank of St. Charles, Missouri reported 107.67% on loan-to-deposit ratio for Q2 2026, 26.83 points above 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 | $18.8M |
| Cash and noninterest-bearing balances to assets | 3.35% |
| Cash and securities | $54.1M |
| Fed funds sold and reverse repos | $888K |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.67% |
| Net loans and leases to deposits | 106.09% |
| Loans and leases to core deposits | 118.05% |
| Core deposits to total deposits | 91.21% |
| 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 | 115.57% | 94.01% | $358K | $69.0M |
| Q4 2023 | 118.46% | 93.70% | $456K | $74.8M |
| Q1 2024 | 121.21% | 92.72% | $0 | $84.4M |
| Q2 2024 | 123.18% | 91.90% | $0 | $86.3M |
| Q3 2024 | 113.91% | 90.33% | $0 | $55.0M |
| Q4 2024 | 114.71% | 91.36% | $0 | $57.2M |
| Q1 2025 | 111.89% | 91.30% | $0 | $55.0M |
| Q2 2025 | 108.76% | 91.59% | $0 | $55.0M |
| Q3 2025 | 107.01% | 91.28% | $0 | $55.0M |
| Q4 2025 | 104.95% | 91.62% | $0 | $45.0M |
| Q1 2026 | 106.28% | 91.65% | $0 | $45.0M |
| Q2 2026 | 107.67% | 91.21% | $0 | $45.0M |
First State Bank of St. Charles, Missouri 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 St. Charles, Missouri, 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 St. Charles, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12219) · FFIEC NIC profile (RSSD 345756)