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 Cash and balances due from depository institutions: 66.4% lower than in Q1 2026, at $2.1M. Within Kansas, Kansas State Bank is 103rd of 182 on loan-to-deposit ratio, 73.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Kansas State Bank sits 7.52 points lower, at 73.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.0M |
| 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 | $5.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.03% |
| Net loans and leases to deposits | 70.95% |
| Loans and leases to core deposits | 80.58% |
| Core deposits to total deposits | 79.90% |
| Brokered deposits to total deposits | 10.74% |
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 | 65.29% | 85.55% | $0 | $6.5M |
| Q4 2023 | 66.47% | 85.44% | $0 | $6.5M |
| Q1 2024 | 67.68% | 83.93% | $0 | $8.2M |
| Q2 2024 | 73.90% | 83.68% | $2.0M | $7.5M |
| Q3 2024 | 72.35% | 83.45% | $371K | $6.5M |
| Q4 2024 | 68.38% | 82.85% | $0 | $6.5M |
| Q1 2025 | 69.20% | 83.15% | $0 | $6.5M |
| Q2 2025 | 73.53% | 82.58% | $0 | $6.5M |
| Q3 2025 | 71.63% | 81.89% | $0 | $6.5M |
| Q4 2025 | 65.72% | 79.00% | $0 | $5.5M |
| Q1 2026 | 66.69% | 79.65% | $0 | $5.5M |
| Q2 2026 | 73.03% | 79.90% | $0 | $5.5M |
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 1865) · FFIEC NIC profile (RSSD 582654)