First State Bank and Trust Company: 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: 98.7% lower than in Q1 2026, at $313K. First State Bank and Trust Company ranks 309th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 36.79% (Q2 2026). First State Bank and Trust Company's loan-to-deposit ratio of 36.79% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 44.05 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $334.9M |
| Fed funds sold and reverse repos | $313K |
| Fed funds sold and reverse repos to assets | 0.06% |
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 | 36.79% |
| Net loans and leases to deposits | 36.49% |
| Loans and leases to core deposits | 61.62% |
| Core deposits to total deposits | 59.70% |
| 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 | 36.75% | 64.68% | $0 | $45.3M |
| Q4 2023 | 37.22% | 65.77% | $0 | $34.4M |
| Q1 2024 | 36.44% | 61.55% | $0 | $35.0M |
| Q2 2024 | 39.55% | 60.93% | $0 | $49.3M |
| Q3 2024 | 40.20% | 62.61% | $0 | $48.2M |
| Q4 2024 | 39.92% | 63.71% | $0 | $38.4M |
| Q1 2025 | 40.07% | 62.86% | $0 | $35.0M |
| Q2 2025 | 41.20% | 62.40% | $50K | $35.6M |
| Q3 2025 | 40.29% | 61.31% | $0 | $17.3M |
| Q4 2025 | 37.48% | 63.92% | $0 | $0 |
| Q1 2026 | 36.47% | 57.52% | $0 | $0 |
| Q2 2026 | 36.79% | 59.70% | $0 | $0 |
First State Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11559) · FFIEC NIC profile (RSSD 1012251)