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 Other borrowed money: 49.8% lower than in Q1 2026, at $3.5M. On loan-to-deposit ratio, First State Bank ranks 31st highest among the 346 banks headquartered in Texas, at 95.59% (Q2 2026). First State Bank reported 95.59% on loan-to-deposit ratio for Q2 2026, 15.04 points above 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 | $23.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $34.1M |
| 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 | $2.0M |
| Other borrowed money | $3.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.59% |
| Net loans and leases to deposits | 94.40% |
| Loans and leases to core deposits | 113.27% |
| Core deposits to total deposits | 65.50% |
| Brokered deposits to total deposits | 18.88% |
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 | 91.61% | 59.21% | $0 | $64K |
| Q4 2023 | 89.87% | 55.45% | $0 | $60K |
| Q1 2024 | 90.54% | 58.01% | $2.0M | $58K |
| Q2 2024 | 97.52% | 56.35% | $0 | $56K |
| Q3 2024 | 101.57% | 56.98% | $770K | $54K |
| Q4 2024 | 100.41% | 56.63% | $0 | $51K |
| Q1 2025 | 88.96% | 57.61% | $0 | $48K |
| Q2 2025 | 94.58% | 59.04% | $0 | $46K |
| Q3 2025 | 92.89% | 55.33% | $0 | $44K |
| Q4 2025 | 97.73% | 59.53% | $7.0M | $42K |
| Q1 2026 | 91.81% | 62.35% | $0 | $7.0M |
| Q2 2026 | 95.59% | 65.50% | $2.0M | $3.5M |
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 1218) · FFIEC NIC profile (RSSD 407168)