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.
Fed funds sold and reverse repos dropped 35.1% in Q2 2026, from $11.9M to $7.7M. It was the largest change from Q1 2026 among the key lines here. Within Texas, First State Bank is 112th of 346 on loan-to-deposit ratio, 82.66% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; First State Bank reported 82.66% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $63.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.1M |
| Fed funds sold and reverse repos | $7.7M |
| Fed funds sold and reverse repos to assets | 1.61% |
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 | 82.66% |
| Net loans and leases to deposits | 81.48% |
| Loans and leases to core deposits | 86.41% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 17.63% |
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 | 77.48% | 90.83% | $0 | $0 |
| Q4 2023 | 76.85% | 84.53% | $0 | $0 |
| Q1 2024 | 77.61% | 83.54% | $0 | $0 |
| Q2 2024 | 82.80% | 83.82% | $0 | $0 |
| Q3 2024 | 82.17% | 84.93% | $0 | $0 |
| Q4 2024 | 83.03% | 86.16% | $0 | $0 |
| Q1 2025 | 84.13% | 87.32% | $0 | $0 |
| Q2 2025 | 82.88% | 82.63% | $0 | $0 |
| Q3 2025 | 83.54% | 90.98% | $0 | $0 |
| Q4 2025 | 81.56% | 80.93% | $0 | $0 |
| Q1 2026 | 82.22% | 79.48% | $0 | $0 |
| Q2 2026 | 82.66% | 78.03% | $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 17950) · FFIEC NIC profile (RSSD 796152)