Jonesboro 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.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 31.3% lower than in Q1 2026, at $19.2M. Jonesboro State Bank has the 1st lowest loan-to-deposit ratio of the 103 banks headquartered in Louisiana, at 6.29% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Jonesboro State Bank reported 6.29% on loan-to-deposit ratio in Q2 2026, 81.91 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $40.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $1.20B |
| Fed funds sold and reverse repos | $19.2M |
| Fed funds sold and reverse repos to assets | 1.48% |
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 | 6.29% |
| Net loans and leases to deposits | 6.16% |
| Loans and leases to core deposits | 6.36% |
| Core deposits to total deposits | 9.60% |
| Brokered deposits to total deposits | 89.28% |
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 | 25.91% | 17.85% | $3.5M | $0 |
| Q4 2023 | 22.08% | 18.38% | $0 | $0 |
| Q1 2024 | 22.11% | 19.41% | $0 | $0 |
| Q2 2024 | 22.46% | 17.82% | $0 | $0 |
| Q3 2024 | 20.40% | 17.81% | $0 | $0 |
| Q4 2024 | 16.97% | 15.44% | $0 | $0 |
| Q1 2025 | 13.05% | 13.90% | $0 | $0 |
| Q2 2025 | 10.87% | 12.58% | $2.0M | $0 |
| Q3 2025 | 9.34% | 14.60% | $0 | $0 |
| Q4 2025 | 7.90% | 10.02% | $0 | $0 |
| Q1 2026 | 6.63% | 10.48% | $0 | $0 |
| Q2 2026 | 6.29% | 9.60% | $0 | $0 |
Jonesboro State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Jonesboro 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 Jonesboro State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9325) · FFIEC NIC profile (RSSD 121651)