The First State Bank: 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.
Loans and leases to core deposits climbed 4.92 percentage points in Q2 2026, from 95.83% to 100.75%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The First State Bank is 37th of 169 on loan-to-deposit ratio, 93.39% as of Q2 2026. The First State Bank reported 93.39% on loan-to-deposit ratio for Q2 2026, 12.84 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $25.7M |
| Fed funds sold and reverse repos | $10.6M |
| Fed funds sold and reverse repos to assets | 6.61% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.39% |
| Net loans and leases to deposits | 92.77% |
| Loans and leases to core deposits | 100.75% |
| Core deposits to total deposits | 67.04% |
| Brokered deposits to total deposits | 25.66% |
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 | 86.02% | 77.35% | $0 | $6.0M |
| Q4 2023 | 85.32% | 76.27% | $0 | $3.0M |
| Q1 2024 | 89.76% | 74.62% | $0 | $2.0M |
| Q2 2024 | 88.71% | 66.79% | $0 | $4.0M |
| Q3 2024 | 98.45% | 65.30% | $0 | $10.0M |
| Q4 2024 | 95.57% | 68.03% | $0 | $6.0M |
| Q1 2025 | 93.47% | 66.77% | $0 | $8.0M |
| Q2 2025 | 98.41% | 65.77% | $0 | $15.0M |
| Q3 2025 | 96.13% | 66.16% | $0 | $6.0M |
| Q4 2025 | 91.67% | 66.77% | $0 | $9.0M |
| Q1 2026 | 89.53% | 65.71% | $0 | $0 |
| Q2 2026 | 93.39% | 67.04% | $0 | $6.0M |
The First State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank, 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2301) · FFIEC NIC profile (RSSD 141350)