First State Bank of the South, Inc.: 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.
Fed funds sold and reverse repos climbed 91.4% in Q2 2026, from $4.8M to $9.2M. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First State Bank of the South, Inc. is 73rd of 93 on loan-to-deposit ratio, 52.41% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First State Bank of the South, Inc. sits 28.54 points lower, at 52.41% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $63.7M |
| Fed funds sold and reverse repos | $9.2M |
| Fed funds sold and reverse repos to assets | 7.00% |
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 | 52.41% |
| Net loans and leases to deposits | 51.81% |
| Loans and leases to core deposits | 56.08% |
| Core deposits to total deposits | 93.45% |
| 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 | 60.22% | 96.24% | $5.0M | $0 |
| Q4 2023 | 60.35% | 95.12% | $5.0M | $0 |
| Q1 2024 | 58.99% | 93.63% | $5.0M | $0 |
| Q2 2024 | 57.58% | 93.73% | $0 | $5.0M |
| Q3 2024 | 58.83% | 93.21% | $0 | $2.5M |
| Q4 2024 | 58.55% | 92.45% | $0 | $2.5M |
| Q1 2025 | 53.09% | 93.44% | $0 | $2.5M |
| Q2 2025 | 53.81% | 92.61% | $0 | $2.5M |
| Q3 2025 | 56.59% | 91.96% | $0 | $0 |
| Q4 2025 | 55.96% | 92.06% | $0 | $0 |
| Q1 2026 | 56.57% | 92.50% | $0 | $0 |
| Q2 2026 | 52.41% | 93.45% | $0 | $0 |
First State Bank of the South, Inc. 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 South, Inc., 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 South, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21050) · FFIEC NIC profile (RSSD 250430)