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.
Cash and balances due from depository institutions climbed 52.1% in Q2 2026, from $72.4M to $110.1M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank is 253rd of 346 on loan-to-deposit ratio, 57.55% as of Q2 2026, below the middle of the field. First State Bank reported 57.55% on loan-to-deposit ratio for Q2 2026, 30.65 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $110.1M |
| Cash and noninterest-bearing balances to assets | 5.95% |
| Cash and securities | $751.6M |
| 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 | 57.55% |
| Net loans and leases to deposits | 56.77% |
| Loans and leases to core deposits | 64.48% |
| Core deposits to total deposits | 89.26% |
| 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 | 54.51% | 93.52% | $0 | $100.0M |
| Q4 2023 | 56.32% | 93.12% | $0 | $100.0M |
| Q1 2024 | 55.95% | 93.12% | $0 | $100.0M |
| Q2 2024 | 57.86% | 93.40% | $0 | $100.0M |
| Q3 2024 | 57.21% | 93.16% | $0 | $60.0M |
| Q4 2024 | 56.35% | 88.49% | $0 | $0 |
| Q1 2025 | 56.41% | 88.52% | $0 | $0 |
| Q2 2025 | 57.81% | 88.49% | $0 | $0 |
| Q3 2025 | 59.69% | 87.95% | $0 | $0 |
| Q4 2025 | 61.18% | 88.05% | $0 | $0 |
| Q1 2026 | 59.38% | 88.83% | $0 | $0 |
| Q2 2026 | 57.55% | 89.26% | $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 15511) · FFIEC NIC profile (RSSD 435750)