First Security State 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 Core deposits to total deposits: 0.77 percentage points lower than in Q1 2026, at 92.07%. Within Texas, First Security State Bank is 295th of 346 on loan-to-deposit ratio, 42.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Security State Bank sits 38.16 points lower, at 42.39% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $103.9M |
| 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 | 42.39% |
| Net loans and leases to deposits | 41.96% |
| Loans and leases to core deposits | 46.04% |
| Core deposits to total deposits | 92.07% |
| 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 | 44.71% | 96.32% | $3.0M | $0 |
| Q4 2023 | 46.25% | 96.13% | $0 | $0 |
| Q1 2024 | 48.16% | 95.85% | $0 | $6.0M |
| Q2 2024 | 48.17% | 94.89% | $0 | $8.0M |
| Q3 2024 | 48.19% | 94.54% | $0 | $6.0M |
| Q4 2024 | 45.79% | 94.75% | $0 | $3.0M |
| Q1 2025 | 43.65% | 94.84% | $0 | $0 |
| Q2 2025 | 43.44% | 93.33% | $0 | $16.0M |
| Q3 2025 | 43.07% | 93.91% | $0 | $11.0M |
| Q4 2025 | 43.93% | 93.26% | $0 | $5.0M |
| Q1 2026 | 42.39% | 92.84% | $0 | $0 |
| Q2 2026 | 42.39% | 92.07% | $0 | $0 |
First Security State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security State 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11932) · FFIEC NIC profile (RSSD 819154)