Four States 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.
Core deposits to total deposits climbed 7.28 percentage points in Q2 2026, from 72.84% to 80.12%. It was the largest change from Q1 2026 among the key lines here. Four States Bank ranks 72nd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 90.47% (Q2 2026). Four States Bank reported 90.47% on loan-to-deposit ratio for Q2 2026, 9.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.4M |
| 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 | $4.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.47% |
| Net loans and leases to deposits | 89.46% |
| Loans and leases to core deposits | 112.92% |
| Core deposits to total deposits | 80.12% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 8 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 2024 | 363.89% | 100.00% | $0 | $0 |
| Q4 2024 | 77.83% | 97.44% | $0 | $0 |
| Q1 2025 | 89.30% | 83.21% | $0 | $0 |
| Q2 2025 | 95.13% | 79.56% | $0 | $0 |
| Q3 2025 | 97.34% | 75.18% | $0 | $0 |
| Q4 2025 | 98.72% | 71.01% | $0 | $0 |
| Q1 2026 | 93.07% | 72.84% | $0 | $0 |
| Q2 2026 | 90.47% | 80.12% | $0 | $4.0M |
Four States Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Four States 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 Four States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59352) · FFIEC NIC profile (RSSD 5903517)