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 Brokered deposits to total deposits: 10.37 percentage points lower than in Q1 2026, at 0.50%. Within Oklahoma, The First State Bank is 20th of 169 on loan-to-deposit ratio, 98.30% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First State Bank sits 30.67 points higher, at 98.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $7.2M |
| Fed funds sold and reverse repos | $1.8M |
| Fed funds sold and reverse repos to assets | 3.15% |
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 | 98.30% |
| Net loans and leases to deposits | 96.61% |
| Loans and leases to core deposits | 105.03% |
| Core deposits to total deposits | 93.09% |
| Brokered deposits to total deposits | 0.50% |
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 | 82.44% | 93.66% | $0 | $0 |
| Q4 2023 | 90.72% | 92.65% | $1.0M | $0 |
| Q1 2024 | 86.43% | 93.06% | $0 | $0 |
| Q2 2024 | 89.98% | 94.97% | $0 | $0 |
| Q3 2024 | 91.32% | 89.25% | $0 | $0 |
| Q4 2024 | 99.18% | 87.52% | $2.1M | $0 |
| Q1 2025 | 90.64% | 86.65% | $0 | $0 |
| Q2 2025 | 89.87% | 86.42% | $0 | $0 |
| Q3 2025 | 99.27% | 84.99% | $434K | $0 |
| Q4 2025 | 105.99% | 79.33% | $1.8M | $0 |
| Q1 2026 | 93.29% | 83.39% | $0 | $0 |
| Q2 2026 | 98.30% | 93.09% | $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 11527) · FFIEC NIC profile (RSSD 644057)