Fayette Savings Bank, SSB: 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.
Core deposits to total deposits climbed 1.95 percentage points in Q2 2026, from 78.56% to 80.51%. It was the largest change from Q1 2026 among the key lines here. Fayette Savings Bank, SSB ranks 82nd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 85.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fayette Savings Bank, SSB sits 5.14 points higher, at 85.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $75.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $115.2M |
| 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 | 85.97% |
| Net loans and leases to deposits | 85.26% |
| Loans and leases to core deposits | 106.78% |
| Core deposits to total deposits | 80.51% |
| 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 | 88.79% | 79.61% | $0 | $10.0M |
| Q4 2023 | 89.92% | 80.28% | $0 | $10.0M |
| Q1 2024 | 89.17% | 77.42% | $0 | $10.0M |
| Q2 2024 | 86.78% | 78.24% | $0 | $0 |
| Q3 2024 | 88.00% | 79.74% | $0 | $0 |
| Q4 2024 | 88.83% | 80.35% | $0 | $0 |
| Q1 2025 | 85.94% | 76.28% | $0 | $0 |
| Q2 2025 | 89.59% | 79.11% | $0 | $0 |
| Q3 2025 | 89.48% | 79.58% | $0 | $0 |
| Q4 2025 | 90.01% | 79.62% | $0 | $0 |
| Q1 2026 | 84.58% | 78.56% | $0 | $0 |
| Q2 2026 | 85.97% | 80.51% | $0 | $0 |
Fayette Savings Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Fayette Savings Bank, SSB, 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 Fayette Savings Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31936) · FFIEC NIC profile (RSSD 675079)