First 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 Cash and balances due from depository institutions: 44.5% lower than in Q1 2026, at $39.8M. Within Texas, First State Bank is 183rd of 346 on loan-to-deposit ratio, 71.60% as of Q2 2026. First State Bank reported 71.60% on loan-to-deposit ratio for Q2 2026, 8.95 points below the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $39.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $259.1M |
| 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 | 71.60% |
| Net loans and leases to deposits | 70.66% |
| Loans and leases to core deposits | 83.14% |
| Core deposits to total deposits | 86.12% |
| 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 | 74.19% | 88.86% | $0 | $35.0M |
| Q4 2023 | 76.56% | 86.85% | $0 | $35.0M |
| Q1 2024 | 76.82% | 86.70% | $0 | $35.0M |
| Q2 2024 | 79.27% | 86.70% | $0 | $25.0M |
| Q3 2024 | 79.19% | 85.89% | $0 | $15.0M |
| Q4 2024 | 76.56% | 86.33% | $0 | $0 |
| Q1 2025 | 75.32% | 85.42% | $0 | $0 |
| Q2 2025 | 77.99% | 84.05% | $0 | $0 |
| Q3 2025 | 76.44% | 85.26% | $0 | $0 |
| Q4 2025 | 72.77% | 88.06% | $0 | $0 |
| Q1 2026 | 69.59% | 86.83% | $0 | $0 |
| Q2 2026 | 71.60% | 86.12% | $0 | $0 |
First 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15206) · FFIEC NIC profile (RSSD 264455)