First State Bank of St. Peter: 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.
Net loans and leases to deposits rose 0.29 percentage points from Q1 2026 to Q2 2026, ending at 30.77% against 30.48%. It was the largest change among the key lines on this page. First State Bank of St. Peter has the 7th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 31.23% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, First State Bank of St. Peter reported 31.23% on loan-to-deposit ratio in Q2 2026, 36.39 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $22.0M |
| 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 | 31.23% |
| Net loans and leases to deposits | 30.77% |
| Loans and leases to core deposits | 31.88% |
| Core deposits to total deposits | 97.97% |
| 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 | 32.09% | 98.20% | $0 | $0 |
| Q4 2023 | 34.73% | 98.06% | $459K | $0 |
| Q1 2024 | 34.25% | 98.05% | $0 | $0 |
| Q2 2024 | 35.96% | 98.01% | $0 | $0 |
| Q3 2024 | 37.51% | 97.94% | $0 | $0 |
| Q4 2024 | 36.01% | 97.87% | $0 | $0 |
| Q1 2025 | 30.18% | 98.10% | $0 | $0 |
| Q2 2025 | 31.98% | 98.04% | $0 | $0 |
| Q3 2025 | 33.51% | 98.03% | $0 | $0 |
| Q4 2025 | 35.70% | 97.87% | $321K | $0 |
| Q1 2026 | 31.04% | 97.99% | $0 | $0 |
| Q2 2026 | 31.23% | 97.97% | $0 | $0 |
First State Bank of St. Peter 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. Peter, 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. Peter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11302) · FFIEC NIC profile (RSSD 426141)