First State Bank of Brownsboro: 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.
Loans and leases to core deposits climbed 2.72 percentage points in Q2 2026, from 55.34% to 58.06%. It was the largest change from Q1 2026 among the key lines here. First State Bank of Brownsboro ranks 274th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 50.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Brownsboro sits 30.18 points lower, at 50.65% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $71.4M |
| 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 | $2.0M |
| 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 | 50.65% |
| Net loans and leases to deposits | 50.15% |
| Loans and leases to core deposits | 58.06% |
| Core deposits to total deposits | 87.24% |
| 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 | 52.15% | 89.17% | $3.1M | $0 |
| Q4 2023 | 53.62% | 89.26% | $1.7M | $2.0M |
| Q1 2024 | 52.72% | 89.11% | $130K | $0 |
| Q2 2024 | 50.78% | 88.21% | $0 | $0 |
| Q3 2024 | 51.26% | 88.11% | $0 | $0 |
| Q4 2024 | 50.19% | 87.54% | $0 | $0 |
| Q1 2025 | 52.13% | 86.87% | $1.6M | $0 |
| Q2 2025 | 53.34% | 86.66% | $0 | $0 |
| Q3 2025 | 52.33% | 86.86% | $0 | $0 |
| Q4 2025 | 50.16% | 88.56% | $816K | $0 |
| Q1 2026 | 49.28% | 89.05% | $84K | $0 |
| Q2 2026 | 50.65% | 87.24% | $2.0M | $0 |
First State Bank of Brownsboro 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 Brownsboro, 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 Brownsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11181) · FFIEC NIC profile (RSSD 229454)