Kansas 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: 37.4% lower than in Q1 2026, at $11.7M. Kansas State Bank has the 13th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 42.22% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Kansas State Bank sits 38.72 points lower, at 42.22% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $126.2M |
| Fed funds sold and reverse repos | $11.7M |
| Fed funds sold and reverse repos to assets | 5.60% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.7M |
| 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 | 42.22% |
| Net loans and leases to deposits | 41.52% |
| Loans and leases to core deposits | 45.14% |
| Core deposits to total deposits | 93.53% |
| 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 | 47.20% | 93.70% | $2.0M | $3.8M |
| Q4 2023 | 43.44% | 95.44% | $2.3M | $0 |
| Q1 2024 | 45.35% | 93.32% | $1.5M | $0 |
| Q2 2024 | 41.18% | 94.26% | $1.5M | $0 |
| Q3 2024 | 46.67% | 95.43% | $1.9M | $0 |
| Q4 2024 | 41.63% | 95.83% | $970K | $0 |
| Q1 2025 | 44.71% | 95.40% | $1.3M | $0 |
| Q2 2025 | 44.06% | 94.02% | $1.5M | $0 |
| Q3 2025 | 48.15% | 93.28% | $852K | $0 |
| Q4 2025 | 41.54% | 94.58% | $1.1M | $0 |
| Q1 2026 | 43.59% | 94.34% | $1.6M | $0 |
| Q2 2026 | 42.22% | 93.53% | $1.7M | $0 |
Kansas State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kansas 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 Kansas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10505) · FFIEC NIC profile (RSSD 287959)