First State Bank of the Ozarks: 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 Cash and balances due from depository institutions: 11.5% higher than in Q1 2026, at $28.5M. First State Bank of the Ozarks ranks 114th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.19% (Q2 2026). At 80.19%, First State Bank of the Ozarks's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $64.5M |
| 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 | $7.4M |
| Other borrowed money | $322K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.13% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.19% |
| Net loans and leases to deposits | 79.35% |
| Loans and leases to core deposits | 85.13% |
| Core deposits to total deposits | 92.57% |
| Brokered deposits to total deposits | 1.62% |
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 | 81.01% | 94.40% | $6.2M | $60K |
| Q4 2023 | 82.52% | 92.52% | $6.6M | $48K |
| Q1 2024 | 76.31% | 91.62% | $6.3M | $419K |
| Q2 2024 | 73.40% | 92.17% | $6.4M | $413K |
| Q3 2024 | 69.83% | 91.11% | $6.5M | $382K |
| Q4 2024 | 73.64% | 90.47% | $7.2M | $364K |
| Q1 2025 | 69.10% | 90.27% | $6.8M | $357K |
| Q2 2025 | 72.49% | 90.55% | $6.8M | $350K |
| Q3 2025 | 73.08% | 90.99% | $7.0M | $343K |
| Q4 2025 | 76.10% | 90.87% | $7.5M | $337K |
| Q1 2026 | 80.44% | 91.84% | $7.3M | $329K |
| Q2 2026 | 80.19% | 92.57% | $7.4M | $322K |
First State Bank of the Ozarks 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 the Ozarks, 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 the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16162) · FFIEC NIC profile (RSSD 400057)