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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.57 percentage points higher than in Q1 2026, at 60.70%. The First State Bank ranks 157th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 50.74% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. The First State Bank sits 16.59 points lower, at 50.74% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $44.7M |
| Fed funds sold and reverse repos | $3.6M |
| Fed funds sold and reverse repos to assets | 4.27% |
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 | 50.74% |
| Net loans and leases to deposits | 49.54% |
| Loans and leases to core deposits | 60.70% |
| Core deposits to total deposits | 83.58% |
| Brokered deposits to total deposits | 5.42% |
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 | 39.20% | 92.65% | $700K | $2.0M |
| Q4 2023 | 36.71% | 93.34% | $0 | $4.0M |
| Q1 2024 | 42.64% | 92.99% | $0 | $10.0M |
| Q2 2024 | 47.93% | 92.00% | $0 | $10.0M |
| Q3 2024 | 45.38% | 81.03% | $0 | $3.0M |
| Q4 2024 | 40.83% | 82.74% | $0 | $0 |
| Q1 2025 | 45.56% | 86.84% | $0 | $0 |
| Q2 2025 | 47.91% | 79.50% | $0 | $0 |
| Q3 2025 | 42.96% | 75.90% | $0 | $0 |
| Q4 2025 | 45.82% | 80.63% | $0 | $0 |
| Q1 2026 | 44.48% | 82.18% | $0 | $0 |
| Q2 2026 | 50.74% | 83.58% | $0 | $0 |
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 10503) · FFIEC NIC profile (RSSD 275657)