The Friendship State 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.
Fed funds purchased and repos dropped 46.8% in Q2 2026, from $10.0M to $5.3M. It was the largest change from Q1 2026 among the key lines here. The Friendship State Bank ranks 71st of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 69.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Friendship State Bank sits 11.04 points lower, at 69.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $11.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $178.8M |
| Fed funds sold and reverse repos | $165K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.3M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.76% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.91% |
| Net loans and leases to deposits | 69.20% |
| Loans and leases to core deposits | 81.20% |
| Core deposits to total deposits | 86.09% |
| 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 | 60.66% | 87.78% | $10.0M | $33.1M |
| Q4 2023 | 62.72% | 87.26% | $9.1M | $30.5M |
| Q1 2024 | 61.26% | 87.38% | $0 | $20.8M |
| Q2 2024 | 61.01% | 87.32% | $0 | $16.0M |
| Q3 2024 | 64.13% | 86.97% | $0 | $28.7M |
| Q4 2024 | 66.28% | 87.24% | $4.0M | $30.0M |
| Q1 2025 | 68.30% | 87.07% | $6.6M | $42.0M |
| Q2 2025 | 69.00% | 86.77% | $0 | $45.0M |
| Q3 2025 | 68.17% | 85.36% | $561K | $35.0M |
| Q4 2025 | 68.76% | 84.38% | $6.1M | $30.0M |
| Q1 2026 | 68.75% | 84.54% | $10.0M | $26.0M |
| Q2 2026 | 69.91% | 86.09% | $5.3M | $15.0M |
The Friendship State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Friendship State 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 The Friendship State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13130) · FFIEC NIC profile (RSSD 427241)