First State Bank of Ben Wheeler, Texas: 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: 1.02 percentage points higher than in Q1 2026, at 52.23%. First State Bank of Ben Wheeler, Texas ranks 291st of 346 Texas banks on loan-to-deposit ratio, in the lower half at 42.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First State Bank of Ben Wheeler, Texas sits 37.97 points lower, at 42.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $111.6M |
| Fed funds sold and reverse repos | $5.5M |
| Fed funds sold and reverse repos to assets | 2.96% |
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 | 42.97% |
| Net loans and leases to deposits | 42.30% |
| Loans and leases to core deposits | 52.23% |
| Core deposits to total deposits | 82.28% |
| 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 | 40.85% | 87.47% | $0 | $0 |
| Q4 2023 | 42.35% | 86.87% | $0 | $0 |
| Q1 2024 | 44.24% | 86.97% | $0 | $0 |
| Q2 2024 | 43.19% | 87.17% | $0 | $0 |
| Q3 2024 | 44.15% | 86.62% | $0 | $0 |
| Q4 2024 | 43.57% | 86.15% | $0 | $0 |
| Q1 2025 | 43.92% | 85.60% | $0 | $0 |
| Q2 2025 | 44.68% | 85.79% | $0 | $0 |
| Q3 2025 | 45.03% | 84.13% | $0 | $0 |
| Q4 2025 | 44.28% | 83.46% | $0 | $0 |
| Q1 2026 | 42.65% | 83.29% | $0 | $0 |
| Q2 2026 | 42.97% | 82.28% | $0 | $0 |
First State Bank of Ben Wheeler, Texas 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 of Ben Wheeler, Texas, 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 of Ben Wheeler, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11904) · FFIEC NIC profile (RSSD 31657)