First State Community 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.
Cash and balances due from depository institutions dropped 16.5% in Q2 2026, from $226.1M to $188.8M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, First State Community Bank is 62nd of 191 on loan-to-deposit ratio, 91.38% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First State Community Bank sits 3.18 points higher, at 91.38% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $188.8M |
| Cash and noninterest-bearing balances to assets | 4.09% |
| Cash and securities | $737.4M |
| Fed funds sold and reverse repos | $4.4M |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $123.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.38% |
| Net loans and leases to deposits | 90.40% |
| Loans and leases to core deposits | 99.95% |
| Core deposits to total deposits | 91.42% |
| Brokered deposits to total deposits | 1.68% |
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 | 84.08% | 92.92% | $0 | $80.0M |
| Q4 2023 | 86.29% | 93.06% | $0 | $122.5M |
| Q1 2024 | 86.90% | 93.14% | $0 | $142.5M |
| Q2 2024 | 88.07% | 92.42% | $0 | $147.5M |
| Q3 2024 | 89.46% | 90.98% | $0 | $157.9M |
| Q4 2024 | 87.90% | 91.51% | $0 | $157.9M |
| Q1 2025 | 88.79% | 92.29% | $0 | $153.9M |
| Q2 2025 | 90.23% | 92.06% | $0 | $153.9M |
| Q3 2025 | 91.88% | 90.69% | $0 | $153.9M |
| Q4 2025 | 89.57% | 90.75% | $0 | $148.9M |
| Q1 2026 | 90.18% | 91.18% | $0 | $138.9M |
| Q2 2026 | 91.38% | 91.42% | $0 | $123.9M |
First State Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Community 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 First State Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17323) · FFIEC NIC profile (RSSD 707354)