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.
Other borrowed money climbed 128.7% in Q2 2026, from $13.1M to $30.0M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First State Bank is 110th of 182 on loan-to-deposit ratio, 69.84% as of Q2 2026. The First State Bank reported 69.84% on loan-to-deposit ratio for Q2 2026, 10.71 points below 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 | $9.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $195.3M |
| 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 | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.84% |
| Net loans and leases to deposits | 68.51% |
| Loans and leases to core deposits | 77.13% |
| Core deposits to total deposits | 90.55% |
| 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 | 54.44% | 79.79% | $0 | $13.5M |
| Q4 2023 | 56.59% | 84.56% | $0 | $26.5M |
| Q1 2024 | 55.47% | 84.22% | $0 | $21.9M |
| Q2 2024 | 57.86% | 79.88% | $0 | $30.8M |
| Q3 2024 | 61.89% | 80.94% | $0 | $28.1M |
| Q4 2024 | 64.36% | 85.30% | $0 | $33.5M |
| Q1 2025 | 65.41% | 87.67% | $0 | $32.1M |
| Q2 2025 | 68.54% | 87.49% | $0 | $35.1M |
| Q3 2025 | 70.07% | 85.58% | $0 | $32.2M |
| Q4 2025 | 71.78% | 85.74% | $0 | $29.7M |
| Q1 2026 | 68.08% | 88.89% | $0 | $13.1M |
| Q2 2026 | 69.84% | 90.55% | $0 | $30.0M |
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 5835) · FFIEC NIC profile (RSSD 394259)