First Capital 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 Loan-to-deposit ratio: 4.00 percentage points lower than in Q1 2026, at 78.10%. Within Texas, First Capital Bank is 143rd of 346 on loan-to-deposit ratio, 78.10% as of Q2 2026, above the middle of the field. First Capital Bank reported 78.10% on loan-to-deposit ratio for Q2 2026, 2.84 points below the 80.94% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $26.8M |
| Fed funds sold and reverse repos | $10.8M |
| Fed funds sold and reverse repos to assets | 10.08% |
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 | 78.10% |
| Net loans and leases to deposits | 76.78% |
| Loans and leases to core deposits | 88.75% |
| Core deposits to total deposits | 88.01% |
| 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 | 94.83% | 93.43% | $0 | $2K |
| Q4 2023 | 85.77% | 90.60% | $0 | $1K |
| Q1 2024 | 99.65% | 89.64% | $0 | $0 |
| Q2 2024 | 84.94% | 90.45% | $0 | $0 |
| Q3 2024 | 89.86% | 88.23% | $0 | $0 |
| Q4 2024 | 84.56% | 88.55% | $0 | $0 |
| Q1 2025 | 95.22% | 86.09% | $0 | $0 |
| Q2 2025 | 87.61% | 87.29% | $0 | $0 |
| Q3 2025 | 80.80% | 87.57% | $0 | $0 |
| Q4 2025 | 79.28% | 88.00% | $0 | $0 |
| Q1 2026 | 82.10% | 88.54% | $0 | $0 |
| Q2 2026 | 78.10% | 88.01% | $0 | $0 |
First Capital Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3399) · FFIEC NIC profile (RSSD 919568)