Firstar 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: 1.86 percentage points lower than in Q1 2026, at 85.34%. Firstar Bank ranks 88th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 77.64% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Firstar Bank sits 10.57 points lower, at 77.64% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $245.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $317.1M |
| Fed funds sold and reverse repos | $10.2M |
| Fed funds sold and reverse repos to assets | 0.82% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.64% |
| Net loans and leases to deposits | 76.87% |
| Loans and leases to core deposits | 85.34% |
| Core deposits to total deposits | 90.97% |
| 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 | 93.13% | 88.88% | $0 | $4.1M |
| Q4 2023 | 88.18% | 90.17% | $0 | $4.1M |
| Q1 2024 | 90.22% | 89.26% | $0 | $4.0M |
| Q2 2024 | 81.41% | 90.57% | $0 | $2.7M |
| Q3 2024 | 89.42% | 89.44% | $0 | $2.7M |
| Q4 2024 | 95.76% | 88.61% | $3.7M | $2.6M |
| Q1 2025 | 84.39% | 90.71% | $0 | $2.6M |
| Q2 2025 | 87.50% | 89.81% | $0 | $2.6M |
| Q3 2025 | 90.31% | 89.55% | $0 | $2.6M |
| Q4 2025 | 92.80% | 89.58% | $0 | $2.6M |
| Q1 2026 | 79.29% | 90.94% | $0 | $2.5M |
| Q2 2026 | 77.64% | 90.97% | $0 | $2.5M |
Firstar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstar 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 Firstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19288) · FFIEC NIC profile (RSSD 427353)