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.
Loans and leases to core deposits climbed 5.88 percentage points in Q2 2026, from 79.88% to 85.76%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 157th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 75.16% (Q2 2026). First State Bank reported 75.16% on loan-to-deposit ratio for Q2 2026, 5.40 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 | $45.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $120.8M |
| Fed funds sold and reverse repos | $22.2M |
| Fed funds sold and reverse repos to assets | 5.97% |
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 | 75.16% |
| Net loans and leases to deposits | 74.71% |
| Loans and leases to core deposits | 85.76% |
| Core deposits to total deposits | 87.64% |
| 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 | 53.07% | 93.50% | $0 | $0 |
| Q4 2023 | 48.76% | 89.82% | $0 | $0 |
| Q1 2024 | 52.65% | 90.13% | $0 | $0 |
| Q2 2024 | 57.04% | 89.74% | $0 | $0 |
| Q3 2024 | 66.48% | 90.12% | $0 | $14.5M |
| Q4 2024 | 69.38% | 89.85% | $0 | $0 |
| Q1 2025 | 67.09% | 89.03% | $0 | $0 |
| Q2 2025 | 60.23% | 89.10% | $0 | $0 |
| Q3 2025 | 70.93% | 88.82% | $0 | $0 |
| Q4 2025 | 67.31% | 88.83% | $0 | $0 |
| Q1 2026 | 70.22% | 87.91% | $0 | $0 |
| Q2 2026 | 75.16% | 87.64% | $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 16695) · FFIEC NIC profile (RSSD 410560)