First Southwest 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.
Cash and balances due from depository institutions climbed 10.8% in Q2 2026, from $34.3M to $38.0M. It was the largest change from Q1 2026 among the key lines here. Within Colorado, First Southwest Bank is 45th of 63 on loan-to-deposit ratio, 69.54% as of Q2 2026, below the middle of the field. First Southwest Bank reported 69.54% on loan-to-deposit ratio for Q2 2026, 11.30 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $283.7M |
| 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 | $3.2M |
| Other borrowed money | $70.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.70% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.54% |
| Net loans and leases to deposits | 68.62% |
| Loans and leases to core deposits | 74.83% |
| Core deposits to total deposits | 80.17% |
| Brokered deposits to total deposits | 12.75% |
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 | 75.30% | 94.00% | $7.5M | $62.6M |
| Q4 2023 | 75.01% | 94.06% | $14.6M | $62.2M |
| Q1 2024 | 75.05% | 94.29% | $14.6M | $62.2M |
| Q2 2024 | 77.68% | 94.58% | $12.8M | $62.4M |
| Q3 2024 | 79.84% | 90.65% | $13.0M | $67.3M |
| Q4 2024 | 76.32% | 90.58% | $7.4M | $66.2M |
| Q1 2025 | 70.40% | 84.71% | $6.2M | $65.8M |
| Q2 2025 | 68.49% | 79.73% | $3.8M | $65.7M |
| Q3 2025 | 66.35% | 79.16% | $5.7M | $65.5M |
| Q4 2025 | 67.22% | 80.88% | $8.0M | $65.9M |
| Q1 2026 | 69.70% | 80.08% | $3.5M | $65.6M |
| Q2 2026 | 69.54% | 80.17% | $3.2M | $70.4M |
First Southwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southwest 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 Southwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57741) · FFIEC NIC profile (RSSD 3224302)