First State Bank Southwest: 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 59.8% in Q2 2026, from $13.7M to $22.0M. It was the largest change from Q1 2026 among the key lines here. First State Bank Southwest ranks 175th of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 63.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank Southwest sits 16.93 points lower, at 63.90% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $167.2M |
| Fed funds sold and reverse repos | $22.0M |
| Fed funds sold and reverse repos to assets | 5.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $28.5M |
| 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 | 63.90% |
| Net loans and leases to deposits | 62.98% |
| Loans and leases to core deposits | 68.21% |
| Core deposits to total deposits | 93.69% |
| 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 | 56.94% | 94.06% | $19.4M | $18.0M |
| Q4 2023 | 56.37% | 95.15% | $19.8M | $18.0M |
| Q1 2024 | 60.32% | 94.70% | $21.0M | $18.0M |
| Q2 2024 | 62.89% | 93.58% | $29.5M | $17.0M |
| Q3 2024 | 60.77% | 89.81% | $23.2M | $4.0M |
| Q4 2024 | 60.20% | 90.05% | $23.5M | $0 |
| Q1 2025 | 63.85% | 91.65% | $26.0M | $3.0M |
| Q2 2025 | 65.18% | 91.41% | $25.3M | $6.0M |
| Q3 2025 | 65.05% | 93.00% | $26.3M | $4.0M |
| Q4 2025 | 66.22% | 92.99% | $29.3M | $0 |
| Q1 2026 | 64.97% | 93.44% | $31.0M | $0 |
| Q2 2026 | 63.90% | 93.69% | $28.5M | $0 |
First State Bank Southwest 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 Southwest, 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 Southwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9770) · FFIEC NIC profile (RSSD 823656)