First Liberty 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 Loans and leases to core deposits: 4.91 percentage points higher than in Q1 2026, at 74.72%. Within Texas, First Liberty Bank is 219th of 346 on loan-to-deposit ratio, 64.96% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Liberty Bank sits 15.88 points lower, at 64.96% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $85.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $329.7M |
| Fed funds sold and reverse repos | $282K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.96% |
| Net loans and leases to deposits | 64.12% |
| Loans and leases to core deposits | 74.72% |
| Core deposits to total deposits | 85.54% |
| Brokered deposits to total deposits | 1.41% |
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 | 82.23% | 93.92% | $0 | $19.5M |
| Q4 2023 | 82.32% | 93.50% | $0 | $22.0M |
| Q1 2024 | 83.67% | 94.74% | $0 | $36.0M |
| Q2 2024 | 79.06% | 94.58% | $0 | $36.0M |
| Q3 2024 | 78.69% | 94.05% | $0 | $15.0M |
| Q4 2024 | 78.01% | 94.67% | $0 | $15.0M |
| Q1 2025 | 51.22% | 86.42% | $0 | $15.0M |
| Q2 2025 | 56.20% | 87.10% | $0 | $15.0M |
| Q3 2025 | 63.63% | 89.15% | $0 | $15.0M |
| Q4 2025 | 62.90% | 89.93% | $0 | $15.0M |
| Q1 2026 | 61.46% | 86.67% | $0 | $5.0M |
| Q2 2026 | 64.96% | 85.54% | $0 | $5.0M |
First Liberty Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3301) · FFIEC NIC profile (RSSD 629353)