Franklin State Bank & Trust Company: 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: 9.01 percentage points higher than in Q1 2026, at 83.88%. Franklin State Bank & Trust Company ranks 82nd of 103 Louisiana banks on loan-to-deposit ratio, in the lower half at 62.99% (Q2 2026). Franklin State Bank & Trust Company reported 62.99% on loan-to-deposit ratio for Q2 2026, 17.84 points below 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 | $40.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $93.3M |
| 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 | 62.99% |
| Net loans and leases to deposits | 62.19% |
| Loans and leases to core deposits | 83.88% |
| Core deposits to total deposits | 75.10% |
| 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 | 63.25% | 80.91% | $0 | $0 |
| Q4 2023 | 53.22% | 81.57% | $0 | $0 |
| Q1 2024 | 58.81% | 78.75% | $0 | $0 |
| Q2 2024 | 67.00% | 77.63% | $0 | $0 |
| Q3 2024 | 61.36% | 77.64% | $0 | $0 |
| Q4 2024 | 51.57% | 79.23% | $0 | $0 |
| Q1 2025 | 57.96% | 78.28% | $0 | $0 |
| Q2 2025 | 62.85% | 77.16% | $0 | $0 |
| Q3 2025 | 60.69% | 75.80% | $0 | $0 |
| Q4 2025 | 51.29% | 77.63% | $0 | $0 |
| Q1 2026 | 57.08% | 76.23% | $0 | $0 |
| Q2 2026 | 62.99% | 75.10% | $0 | $0 |
Franklin State Bank & Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin State Bank & Trust Company, 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 Franklin State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11792) · FFIEC NIC profile (RSSD 1006652)