First Federal Community 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.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.82 percentage points higher than in Q1 2026, at 113.46%. Within Texas, First Federal Community Bank, SSB is 47th of 346 on loan-to-deposit ratio, 91.02% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Community Bank, SSB sits 10.18 points higher, at 91.02% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.3M |
| 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 | 91.02% |
| Net loans and leases to deposits | 89.84% |
| Loans and leases to core deposits | 113.46% |
| Core deposits to total deposits | 80.22% |
| 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 | 92.36% | 85.05% | $0 | $768K |
| Q4 2023 | 96.26% | 85.56% | $0 | $634K |
| Q1 2024 | 94.58% | 84.47% | $0 | $499K |
| Q2 2024 | 94.77% | 84.00% | $0 | $364K |
| Q3 2024 | 93.68% | 84.31% | $0 | $228K |
| Q4 2024 | 95.99% | 84.37% | $0 | $91K |
| Q1 2025 | 91.77% | 82.53% | $0 | $0 |
| Q2 2025 | 93.28% | 83.42% | $0 | $0 |
| Q3 2025 | 93.31% | 82.08% | $0 | $0 |
| Q4 2025 | 91.27% | 82.04% | $0 | $0 |
| Q1 2026 | 88.08% | 81.07% | $0 | $0 |
| Q2 2026 | 91.02% | 80.22% | $0 | $0 |
First Federal Community Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community 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 First Federal Community Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27678) · FFIEC NIC profile (RSSD 898579)