Firststate 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 largest change between Q1 2026 and Q2 2026 was in Core deposits to total deposits, which fell 0.44 percentage points to 87.45%. Firststate Bank ranks 78th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 47.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Firststate Bank sits 33.36 points lower, at 47.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $33.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $180.2M |
| 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 | $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 | 47.19% |
| Net loans and leases to deposits | 46.59% |
| Loans and leases to core deposits | 53.97% |
| Core deposits to total deposits | 87.45% |
| 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 | 49.37% | 92.31% | $0 | $0 |
| Q4 2023 | 49.08% | 91.82% | $0 | $0 |
| Q1 2024 | 49.67% | 92.21% | $0 | $0 |
| Q2 2024 | 50.50% | 91.58% | $0 | $0 |
| Q3 2024 | 50.69% | 90.47% | $0 | $0 |
| Q4 2024 | 47.96% | 89.80% | $0 | $0 |
| Q1 2025 | 48.49% | 89.01% | $0 | $0 |
| Q2 2025 | 48.85% | 88.78% | $0 | $0 |
| Q3 2025 | 47.47% | 87.96% | $0 | $0 |
| Q4 2025 | 46.09% | 87.88% | $0 | $0 |
| Q1 2026 | 47.19% | 87.89% | $0 | $0 |
| Q2 2026 | 47.19% | 87.45% | $0 | $0 |
Firststate Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Firststate 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 Firststate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20468) · FFIEC NIC profile (RSSD 540739)