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 Fed funds sold and reverse repos: 72.6% lower than in Q1 2026, at $473K. First State Bank ranks 297th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 41.20% (Q2 2026). First State Bank reported 41.20% on loan-to-deposit ratio for Q2 2026, 26.13 points below the 67.32% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $5.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.1M |
| Fed funds sold and reverse repos | $473K |
| Fed funds sold and reverse repos to assets | 0.81% |
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 | 41.20% |
| Net loans and leases to deposits | 40.26% |
| Loans and leases to core deposits | 41.20% |
| Core deposits to total deposits | 100.00% |
| 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 | 40.75% | 95.03% | $0 | $0 |
| Q4 2023 | 40.65% | 92.41% | $0 | $0 |
| Q1 2024 | 40.33% | 88.73% | $0 | $0 |
| Q2 2024 | 39.30% | 96.25% | $0 | $0 |
| Q3 2024 | 40.67% | 100.00% | $0 | $0 |
| Q4 2024 | 39.79% | 100.00% | $0 | $0 |
| Q1 2025 | 41.74% | 100.00% | $0 | $0 |
| Q2 2025 | 44.35% | 100.00% | $164K | $0 |
| Q3 2025 | 41.13% | 100.00% | $0 | $0 |
| Q4 2025 | 37.76% | 100.00% | $0 | $0 |
| Q1 2026 | 37.81% | 100.00% | $0 | $0 |
| Q2 2026 | 41.20% | 100.00% | $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 16643) · FFIEC NIC profile (RSSD 603755)