First State Bank in Temple: 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 Loans and leases to core deposits: 26.19 percentage points lower than in Q1 2026, at 52.30%. First State Bank in Temple ranks 147th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 46.39% (Q2 2026). First State Bank in Temple reported 46.39% on loan-to-deposit ratio for Q2 2026, 20.94 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 | $4.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $15.5M |
| 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 | 46.39% |
| Net loans and leases to deposits | 45.18% |
| Loans and leases to core deposits | 52.30% |
| Core deposits to total deposits | 88.70% |
| 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 | 32.61% | 90.99% | $0 | $0 |
| Q4 2023 | 55.01% | 90.39% | $234K | $900K |
| Q1 2024 | 56.32% | 90.48% | $0 | $1.7M |
| Q2 2024 | 30.86% | 90.99% | $0 | $0 |
| Q3 2024 | 33.43% | 90.61% | $0 | $0 |
| Q4 2024 | 49.63% | 89.85% | $0 | $0 |
| Q1 2025 | 55.64% | 89.37% | $59K | $1.2M |
| Q2 2025 | 33.15% | 90.88% | $0 | $0 |
| Q3 2025 | 38.27% | 91.06% | $0 | $0 |
| Q4 2025 | 63.71% | 88.39% | $473K | $1.2M |
| Q1 2026 | 68.80% | 87.65% | $0 | $2.2M |
| Q2 2026 | 46.39% | 88.70% | $0 | $0 |
First State Bank in Temple 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 in Temple, 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 in Temple profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5999) · FFIEC NIC profile (RSSD 325459)