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.
Loan-to-deposit ratio climbed 12.44 percentage points in Q2 2026, from 74.75% to 87.18%. It was the largest change from Q1 2026 among the key lines here. First State Bank ranks 73rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 87.18% (Q2 2026). First State Bank reported 87.18% on loan-to-deposit ratio for Q2 2026, 6.63 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 | $18.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $37.1M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 3.11% |
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 | 87.18% |
| Net loans and leases to deposits | 85.92% |
| Loans and leases to core deposits | 110.66% |
| Core deposits to total deposits | 78.78% |
| 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 | 76.58% | 83.15% | $0 | $0 |
| Q4 2023 | 73.54% | 81.77% | $0 | $0 |
| Q1 2024 | 66.99% | 89.04% | $0 | $0 |
| Q2 2024 | 76.56% | 89.03% | $0 | $0 |
| Q3 2024 | 83.88% | 87.67% | $0 | $0 |
| Q4 2024 | 81.91% | 86.22% | $0 | $0 |
| Q1 2025 | 74.65% | 81.71% | $0 | $0 |
| Q2 2025 | 73.21% | 82.66% | $0 | $0 |
| Q3 2025 | 71.12% | 73.88% | $0 | $0 |
| Q4 2025 | 76.64% | 73.03% | $0 | $0 |
| Q1 2026 | 74.75% | 75.22% | $0 | $0 |
| Q2 2026 | 87.18% | 78.78% | $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 18301) · FFIEC NIC profile (RSSD 524766)