First 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.
Net loans and leases to deposits climbed 1.62 percentage points in Q2 2026, from 92.88% to 94.50%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Bank ranks 29th highest among the 346 banks headquartered in Texas, at 96.46% (Q2 2026). First Bank reported 96.46% on loan-to-deposit ratio for Q2 2026, 15.90 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $109.2M |
| 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 | $26K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $49K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.46% |
| Net loans and leases to deposits | 94.50% |
| Loans and leases to core deposits | 105.65% |
| Core deposits to total deposits | 91.30% |
| 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 | 101.96% | 91.93% | $0 | $20.2M |
| Q4 2023 | 102.77% | 91.82% | $0 | $20.2M |
| Q1 2024 | 98.91% | 91.72% | $0 | $149K |
| Q2 2024 | 99.95% | 91.83% | $0 | $135K |
| Q3 2024 | 100.17% | 91.18% | $0 | $122K |
| Q4 2024 | 107.28% | 90.62% | $0 | $20.1M |
| Q1 2025 | 103.27% | 90.96% | $0 | $20.1M |
| Q2 2025 | 105.56% | 90.39% | $0 | $20.1M |
| Q3 2025 | 100.90% | 90.48% | $0 | $15.1M |
| Q4 2025 | 98.16% | 90.48% | $0 | $54K |
| Q1 2026 | 94.87% | 91.07% | $0 | $40K |
| Q2 2026 | 96.46% | 91.30% | $0 | $26K |
First Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3121) · FFIEC NIC profile (RSSD 239659)